Method, system, and computer program product for matching card transaction data to mobile application usage

ABSTRACT

Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.

BACKGROUND 1. Field

This disclosed subject matter relates generally to methods, systems, andproducts for matching unrelated data sets and, in some particularembodiments or aspects, to a method, system, and computer programproduct for matching unrelated card transaction data to mobileapplication data.

2. Technical Considerations

With the growth of the usage of smart phones and other technologies,there has been a large increase in anonymized data available aboutusers, including purchasing information, transaction information, mobilephone application information, banking information, locationinformation, and/or the like. This information can be used to betterunderstand users in order to determine their preferences and to allowfor more targeted advertisements to gain new customers or grow existingcustomers. However, various types of data are often found in separatedatabases such that there may not be a key to easily join data from onegroup with the data of another group. For example, there is no commonidentifier between mobile phone application information and transactioninformation. Therefore, it is necessary to be able to match the datafrom one database to the data of another database to identify the sameuser's information between both databases.

SUMMARY

Accordingly, it is an object of the presently disclosed subject matterto provide methods, systems, and computer program products for matchingcard transaction data to mobile application data.

According to non-limiting embodiments or aspects, provided is a methodfor matching card transaction data to mobile application data. In somenon-limiting embodiments or aspects, a method for matching cardtransaction data to mobile application data may include generating, withat least one processor, a plurality of regions within a geographic area,each region of the plurality of regions associated with a regionidentifier; receiving, with at least one processor, transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants using a plurality ofaccount identifiers, the transaction data comprising, for eachtransaction, an account identifier and a transaction location;receiving, with at least one processor, mobile application dataassociated with a plurality of interactions between a plurality ofmobile device users and at least one mobile application using aplurality of user identifiers, the mobile application data comprising,for each interaction, a user identifier and an interaction location;determining, with at least one processor, a region of the plurality ofregions for each transaction of the plurality of transactions based onthe transaction location; determining, with at least one processor, aregion of the plurality of regions for each interaction of the pluralityof interactions based on the interaction location; generating, with atleast one processor, a transaction signature for each account identifierof the plurality of account identifiers based on the region for eachtransaction of the plurality of interactions initiated with the accountidentifier, resulting in a plurality of transaction signatures;generating, with at least one processor, an interaction signature foreach user identifier of the plurality of user identifiers based on theregion for each interaction of the plurality of interactions associatedwith a corresponding user identifier, resulting in a plurality ofinteraction signatures; matching, with at least one processor, at leastone transaction signature of the plurality of transaction signatures toat least one interaction signature of the plurality of interactionsignatures; and linking, with at least one processor, at least oneaccount identifier of the plurality of account identifiers to at leastone user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

In some non-limiting embodiments or aspects, the computer-implementedmethod may include generating, with at least one processor, a pluralityof new regions within the geographic area if at least two accountidentifiers of the plurality of account identifiers are linked to oneuser identifier of the plurality of user identifiers, wherein at leasttwo new regions of the plurality of new regions overlap with a regionfor at least one transaction initiated with at least one linked accountidentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each transaction of the plurality oftransactions associated with the at least two linked account identifiersbased on the transaction location, wherein at least two transactions ofthe plurality of transactions associated with the at least two linkedaccount identifiers located in the same region are located in differentnew regions; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the linked user identifier based on theinteraction location; generating, with at least one processor, a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generating, with at leastone processor, a new interaction signature for the linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the linked user identifier, resulting ina new interaction signature; matching, with at least one processor, onenew transaction signature of the plurality of new transaction signaturesto the new interaction signature; and linking, with at least oneprocessor, one account identifier of the plurality of accountidentifiers to one user identifier of the plurality of user identifiersbased on matching the one new transaction signature to the newinteraction signature.

In some non-limiting embodiments or aspects, the computer-implementedmethod may include generating, with at least one processor, a pluralityof new regions within the geographic area if one account identifier ofthe plurality of account identifiers is linked to at least two useridentifiers of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one interaction initiated with at least one linked useridentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the at least two linked user identifiersbased on the interaction location wherein at least two interactions ofthe plurality of transactions associated with the at least two linkeduser identifiers that are located in the same region are located indifferent new regions; determining, with at least one processor, a newregion of the plurality of new regions for each transaction of theplurality of transactions associated with the linked account identifierbased on the transaction location; generating, with at least oneprocessor, a new transaction signature for the linked account identifierbased on the new region for each transaction of the plurality oftransactions associated with the linked account identifier, resulting ina new transaction signature; generating, with at least one processor, anew interaction signature for each linked user identifier based on thenew region for each interaction of the plurality of interactionsassociated with the at least two linked user identifiers, resulting in aplurality of new interaction signatures; matching, with at least oneprocessor, the new transaction signature to one new interactionsignature of the plurality of new interaction signatures; and linking,with at least one processor, one account identifier of the plurality ofaccount identifiers to one user identifier of the plurality of useridentifiers based on matching the new transaction signature to the atleast one new interaction signature.

In some non-limiting embodiments or aspects the transaction dataassociated with the plurality of transactions comprises a transactiontime and/or the mobile application data associated with the plurality ofinteractions comprises a time of interaction; and generating thetransaction signature for each account identifier of the plurality ofaccount identifiers data is further based on the transaction time orgenerating the interaction signature for each user identifier of theplurality of user identifiers is further based on the time ofinteraction. Matching at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.

In some non-limiting embodiments or aspects, if at least two accountidentifiers are linked to one user identifier and/or at least two useridentifiers are linked to one account identifier, the method may includeshortening, with at least one processor, the predetermined threshold;matching, with at least one processor, at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlinking, with at least one processor, at least one account identifier ofthe plurality of account identifiers to at least one user identifier ofthe plurality of user identifiers based on matching the at least onetransaction signature to the at least one interaction signature.

In some non-limiting embodiments or aspects, the computer-implementedmethod may include generating, with at least one processor, a pluralityof neighborhoods, wherein each neighborhood of the plurality ofneighborhoods encompasses a center region and all regions adjacent tothe center region; determining, with at least one processor, aneighborhood of the plurality of neighborhoods for each transaction ofthe plurality of transactions based on the transaction location;determining, with at least one processor, a neighborhood of theplurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generating, with atleast one processor, a match score, wherein the match score iscalculated based on a distance between a neighborhood of a transactionof the plurality of transactions and a neighborhood of an interaction ofthe plurality of interactions; and matching, with at least oneprocessor, at least one transaction signature of the plurality oftransaction signatures to at least one interaction signature of theplurality of interaction signatures based on the match score.

According to non-limiting embodiments or aspects, provided is a systemfor matching card transaction data to mobile application data. In somenon-limiting embodiments or aspects, the system for matching cardtransaction data to mobile application data may include at least oneprocessor; and at least one non-transitory computer readable mediumincluding one or more instructions that, when executed by the at leastone processor, cause the at least one processor to: generate a pluralityof regions within a geographic area, each region of the plurality ofregions associated with a region identifier; receive transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants using a plurality ofaccount identifiers, the transaction data comprising, for eachtransaction, an account identifier and a transaction location; receivemobile application data associated with a plurality of interactionsbetween a plurality of mobile device users and at least one mobileapplication using a plurality of user identifiers, the mobileapplication data comprising, for each interaction, a user identifier andan interaction location; determine a region of the plurality of regionsfor each transaction of the plurality of transactions based on thetransaction location; determine a region of the plurality of regions foreach interaction of the plurality of interactions based on theinteraction location; generate a transaction signature for each accountidentifier of the plurality of account identifiers based on the regionfor each transaction of the plurality of transactions initiated with theaccount identifier, resulting in a plurality of transaction signatures;generate an interaction signature for each user identifier of theplurality of user identifiers based on the region for each interactionof the plurality of interactions associated with a corresponding useridentifier, resulting in a plurality of interaction signatures; match atleast one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures; and link at least one account identifier of theplurality of account identifiers to at least one user identifier of theplurality of user identifiers based on matching the at least onetransaction signature to the at least one interaction signature.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of new regions within the geographic area if at least twoaccount identifiers of the plurality of account identifiers are linkedto one user identifier of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one transaction initiated with at least one linkedaccount identifier; determine a new region of the plurality of newregions for each transaction of the plurality of transactions associatedwith the at least two linked account identifiers based on thetransaction location, wherein at least two transactions of the pluralityof transactions associated with the at least two linked accountidentifiers located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachinteraction of the plurality of interactions associated with the linkeduser identifier based on the interaction location; generate a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generate a new interactionsignature for the linked user identifier based on the new region foreach interaction of the plurality of interactions associated with thelinked user identifier, resulting in a new interaction signature; matchone new transaction signature of the plurality of new transactionsignatures to the new interaction signature; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching theone new transaction signature to the new interaction signature.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of new regions within the geographic area if one accountidentifier of the plurality of account identifiers is linked to at leasttwo user identifiers of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one interaction initiated with at least one linkeduser identifier; determine a new region of the plurality of new regionsfor each interaction of the plurality of interactions associated withthe at least two linked user identifiers based on the interactionlocation wherein at least two interactions of the plurality oftransactions associated with the at least two linked user identifiersthat are located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachtransaction of the plurality of transactions associated with the linkedaccount identifier based on the transaction location; generate a newtransaction signature for the linked account identifier based on the newregion for each transaction of the plurality of transactions associatedwith the linked account identifier, resulting in a new transactionsignature; generate a new interaction signature for each linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the at least two linked useridentifiers, resulting in a plurality of new interaction signatures;match the new transaction signature to one new interaction signature ofthe plurality of new interaction signatures; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching thenew transaction signature to the at least one new interaction signature.

In some non-limiting embodiments or aspects, the transaction dataassociated with the plurality of transactions comprises a transactiontime and/or the mobile application data associated with the plurality ofinteractions comprises a time of interaction; and generating thetransaction signature for each account identifier of the plurality ofaccount identifiers data is further based on the transaction time orgenerating the interaction signature for each user identifier of theplurality of user identifiers is further based on the time ofinteraction. Matching at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.

In some non-limiting embodiments or aspects, if at least two accountidentifiers are linked to one user identifier and/or at least two useridentifiers are linked to one account identifier, the one or moreinstructions further cause the at least one processor to: shorten thepredetermined threshold; match at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures; and link at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of neighborhoods, wherein each neighborhood of the pluralityof neighborhoods encompasses a center region and all regions adjacent tothe center region; determine a neighborhood of the plurality ofneighborhoods for each transaction of the plurality of transactionsbased on the transaction location; determine a neighborhood of theplurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generate a match score,wherein the match score is calculated based on a distance between aneighborhood of a transaction of the plurality of transactions and aneighborhood of an interaction of the plurality of interactions; andmatch at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures based on the match score.

According to non-limiting embodiments or aspects, provided is a computerprogram product for matching card transaction data to mobile applicationdata. The computer program product may include at least onenon-transitory computer-readable medium including one or moreinstructions that, when executed by at least one processor, cause the atleast one processor to generate a plurality of regions within ageographic area, each region of the plurality of regions associated witha region identifier; receive transaction data associated with aplurality of transactions conducted between a plurality of accounts anda plurality of merchants using a plurality of account identifiers, thetransaction data comprising, for each transaction, an account identifierand a transaction location; receive mobile application data associatedwith a plurality of interactions between a plurality of mobile deviceusers and at least one mobile application using a plurality of useridentifiers, the mobile application data comprising, for eachinteraction, a user identifier and an interaction location; determine aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determine a region ofthe plurality of regions for each interaction of the plurality ofinteractions based on the interaction location; generate a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures; generate an interaction signaturefor each user identifier of the plurality of user identifiers based onthe region for each interaction of the plurality of interactionsassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlink at least one account identifier of the plurality of accountidentifiers to at least one user identifier of the plurality of useridentifiers based on matching the at least one transaction signature tothe at least one interaction signature.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of new regions within the geographic area if at least twoaccount identifiers of the plurality of account identifiers are linkedto one user identifier of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one transaction initiated with at least one linkedaccount identifier; determine a new region of the plurality of newregions for each transaction of the plurality of transactions associatedwith the at least two linked account identifiers based on thetransaction location, wherein at least two transactions of the pluralityof transactions associated with the at least two linked accountidentifiers located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachinteraction of the plurality of interactions associated with the linkeduser identifier based on the interaction location; generate a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generate a new interactionsignature for the linked user identifier based on the new region foreach interaction of the plurality of interactions associated with thelinked user identifier, resulting in a new interaction signature; matchone new transaction signature of the plurality of new transactionsignatures to the new interaction signature; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching theone new transaction signature to the new interaction signature.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of new regions within the geographic area if one accountidentifier of the plurality of account identifiers is linked to at leasttwo user identifiers of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one interaction initiated with at least one linkeduser identifier; determine a new region of the plurality of new regionsfor each interaction of the plurality of interactions associated withthe at least two linked user identifiers based on the interactionlocation wherein at least two interactions of the plurality oftransactions associated with the at least two linked user identifiersthat are located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachtransaction of the plurality of transactions associated with the linkedaccount identifier based on the transaction location; generate a newtransaction signature for the linked account identifier based on the newregion for each transaction of the plurality of transactions associatedwith the linked account identifier, resulting in a new transactionsignature; generate a new interaction signature for each linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the at least two linked useridentifiers, resulting in a plurality of new interaction signatures;match the new transaction signature to one new interaction signature ofthe plurality of new interaction signatures; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching thenew transaction signature to the at least one new interaction signature.

In some non-limiting embodiments or aspects, the transaction dataassociated with the plurality of transactions comprises a transactiontime and/or the mobile application data associated with the plurality ofinteractions comprises a time of interaction; and generating thetransaction signature for each account identifier of the plurality ofaccount identifiers data is further based on the transaction time orgenerating the interaction signature for each user identifier of theplurality of user identifiers is further based on the time ofinteraction. Matching at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.

In some non-limiting embodiments or aspects, the one or moreinstructions further cause the at least one processor to: generate aplurality of neighborhoods, wherein each neighborhood of the pluralityof neighborhoods encompasses a center region and all regions adjacent tothe center region; determine a neighborhood of the plurality ofneighborhoods for each transaction of the plurality of transactionsbased on the transaction location; determine a neighborhood of theplurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generate a match score,wherein the match score is calculated based on a distance between aneighborhood of a transaction of the plurality of transactions and aneighborhood of an interaction of the plurality of interactions; andmatch at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures based on the match score.

According to non-limiting embodiments or aspects, provided is a methodfor matching card transaction data to mobile application data. In somenon-limiting embodiments or aspects, a method for matching cardtransaction data to mobile application data may include generating, withat least one processor, a plurality of regions within a geographic area,each region of the plurality of regions associated with a regionidentifier; processing, with at least one processor, transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants to determine, foreach transaction, a region of the plurality of regions in which thetransaction occurred; processing, with at least one processor, mobileapplication data associated with a plurality of interactions between aplurality of mobile device users and at least one mobile application todetermine, for each interaction, a region of the plurality of regions inwhich the interaction occurred; generating, with at least one processor,a transaction signature for each account identifier of the plurality ofaccount identifiers based on the region of each transaction initiatedwith the account identifier, resulting in a plurality of transactionsignatures; generating, with at least one processor, an interactionsignature for each user identifier of the plurality of user identifiersbased on the region of each interaction associated with a correspondinguser identifier, resulting in a plurality of interaction signatures;matching, with at least one processor, at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlinking, with at least one processor, at least one account identifier ofthe plurality of account identifiers to at least one user identifier ofthe plurality of user identifiers based on matching the at least onetransaction signature to the at least one interaction signature.

According to non-limiting embodiments or aspects, provided is a systemfor matching card transaction data to mobile application data. In somenon-limiting embodiments or aspects, the system for matching cardtransaction data to mobile application data may include at least oneprocessor; and at least one non-transitory computer readable mediumincluding one or more instructions that, when executed by the at leastone processor, cause the at least one processor to: generate, with atleast one processor, a plurality of regions within a geographic area,each region of the plurality of regions associated with a regionidentifier; process, with at least one processor, transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants to determine, foreach transaction, a region of the plurality of regions in which thetransaction occurred; process, with at least one processor, mobileapplication data associated with a plurality of interactions between aplurality of mobile device users and at least one mobile application todetermine, for each interaction, a region of the plurality of regions inwhich the interaction occurred; generate, with at least one processor, atransaction signature for each account identifier of the plurality ofaccount identifiers based on the region of each transaction initiatedwith the account identifier, resulting in a plurality of transactionsignatures; generate, with at least one processor, an interactionsignature for each user identifier of the plurality of user identifiersbased on the region of each interaction associated with a correspondinguser identifier, resulting in a plurality of interaction signatures;match, with at least one processor, at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures; and link, with atleast one processor, at least one account identifier of the plurality ofaccount identifiers to at least one user identifier of the plurality ofuser identifiers based on matching the at least one transactionsignature to the at least one interaction signature.

According to non-limiting embodiments or aspects, provided is a computerprogram product for matching card transaction data to mobile applicationdata. The computer program product may include at least onenon-transitory computer-readable medium including one or moreinstructions that, when executed by at least one processor, cause the atleast one processor to generate, with at least one processor, aplurality of regions within a geographic area, each region of theplurality of regions associated with a region identifier; process, withat least one processor, transaction data associated with a plurality oftransactions conducted between a plurality of accounts and a pluralityof merchants to determine, for each transaction, a region of theplurality of regions in which the transaction occurred; process, with atleast one processor, mobile application data associated with a pluralityof interactions between a plurality of mobile device users and at leastone mobile application to determine, for each interaction, a region ofthe plurality of regions in which the interaction occurred; generate,with at least one processor, a transaction signature for each accountidentifier of the plurality of account identifiers based on the regionof each transaction initiated with the account identifier, resulting ina plurality of transaction signatures; generate, with at least oneprocessor, an interaction signature for each user identifier of theplurality of user identifiers based on the region of each interactionassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match, with at least one processor,at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures; and link, with at least one processor, at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

Further embodiments or aspects are set forth in the following numberedclauses:

Clause 1: A computer-implemented method, comprising: generating, with atleast one processor, a plurality of regions within a geographic area,each region of the plurality of regions associated with a regionidentifier; receiving, with at least one processor, transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants using a plurality ofaccount identifiers, the transaction data comprising, for eachtransaction, an account identifier and a transaction location;receiving, with at least one processor, mobile application dataassociated with a plurality of interactions between a plurality ofmobile device users and at least one mobile application using aplurality of user identifiers, the mobile application data comprising,for each interaction, a user identifier and an interaction location;determining, with at least one processor, a region of the plurality ofregions for each transaction of the plurality of transactions based onthe transaction location; determining, with at least one processor, aregion of the plurality of regions for each interaction of the pluralityof interactions based on the interaction location; generating, with atleast one processor, a transaction signature for each account identifierof the plurality of account identifiers based on the region for eachtransaction of the plurality of transactions initiated with the accountidentifier, resulting in a plurality of transaction signatures;generating, with at least one processor, an interaction signature foreach user identifier of the plurality of user identifiers based on theregion for each interaction of the plurality of interactions associatedwith a corresponding user identifier, resulting in a plurality ofinteraction signatures; matching, with at least one processor, at leastone transaction signature of the plurality of transaction signatures toat least one interaction signature of the plurality of interactionsignatures; and linking, with at least one processor, at least oneaccount identifier of the plurality of account identifiers to at leastone user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

Clause 2: The computer-implemented method of clause 1, furthercomprising: generating, with at least one processor, a plurality of newregions within the geographic area if at least two account identifiersof the plurality of account identifiers are linked to one useridentifier of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one transaction initiated with at least one linked accountidentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each transaction of the plurality oftransactions associated with the at least two linked account identifiersbased on the transaction location, wherein at least two transactions ofthe plurality of transactions associated with the at least two linkedaccount identifiers located in the same region are located in differentnew regions; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the linked user identifier based on theinteraction location; generating, with at least one processor, a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generating, with at leastone processor, a new interaction signature for the linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the linked user identifier, resulting ina new interaction signature; matching, with at least one processor, onenew transaction signature of the plurality of new transaction signaturesto the new interaction signature; and linking, with at least oneprocessor, one account identifier of the plurality of accountidentifiers to one user identifier of the plurality of user identifiersbased on matching the one new transaction signature to the newinteraction signature.

Clause 3: The computer-implemented method of clauses 1 or 2, furthercomprising: generating, with at least one processor, a plurality of newregions within the geographic area if one account identifier of theplurality of account identifiers is linked to at least two useridentifiers of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one interaction initiated with at least one linked useridentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the at least two linked user identifiersbased on the interaction location wherein at least two interactions ofthe plurality of transactions associated with the at least two linkeduser identifiers that are located in the same region are located indifferent new regions; determining, with at least one processor, a newregion of the plurality of new regions for each transaction of theplurality of transactions associated with the linked account identifierbased on the transaction location; generating, with at least oneprocessor, a new transaction signature for the linked account identifierbased on the new region for each transaction of the plurality oftransactions associated with the linked account identifier, resulting ina new transaction signature; generating, with at least one processor, anew interaction signature for each linked user identifier based on thenew region for each interaction of the plurality of interactionsassociated with the at least two linked user identifiers, resulting in aplurality of new interaction signatures; matching, with at least oneprocessor, the new transaction signature to one new interactionsignature of the plurality of new interaction signatures; and linking,with at least one processor, one account identifier of the plurality ofaccount identifiers to one user identifier of the plurality of useridentifiers based on matching the new transaction signature to the atleast one new interaction signature.

Clause 4: The computer-implemented method of any of clauses 1-3, whereinthe transaction data associated with the plurality of transactionscomprises a transaction time and/or the mobile application dataassociated with the plurality of interactions comprises a time ofinteraction; and wherein generating the transaction signature for eachaccount identifier of the plurality of account identifiers data isfurther based on the transaction time or generating the interactionsignature for each user identifier of the plurality of user identifiersis further based on the time of interaction.

Clause 5: The computer-implemented method of any of clauses 1-4, whereinmatching at least one transaction signature of the plurality oftransaction signatures to at least one interaction signature of theplurality of interaction signatures is based on a difference between thetransaction time and the time of interaction satisfying a predeterminedthreshold.

Clause 6: The computer-implemented method of any of clauses 1-5, atleast two account identifiers are linked to one user identifier and/orat least two user identifiers are linked to one account identifier, themethod further comprising: shortening, with at least one processor, thepredetermined threshold; matching, with at least one processor, at leastone transaction signature of the plurality of transaction signatures toat least one interaction signature of the plurality of interactionsignatures; and linking, with at least one processor, at least oneaccount identifier of the plurality of account identifiers to at leastone user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

Clause 7: The computer-implemented method of any of clauses 1-6, furthercomprising: generating, with at least one processor, a plurality ofneighborhoods, wherein each neighborhood of the plurality ofneighborhoods encompasses a center region and all regions adjacent tothe center region; determining, with at least one processor, aneighborhood of the plurality of neighborhoods for each transaction ofthe plurality of transactions based on the transaction location;determining, with at least one processor, a neighborhood of theplurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generating, with atleast one processor, a match score, wherein the match score iscalculated based on a distance between a neighborhood of a transactionof the plurality of transactions and a neighborhood of an interaction ofthe plurality of interactions; and matching, with at least oneprocessor, at least one transaction signature of the plurality oftransaction signatures to at least one interaction signature of theplurality of interaction signatures based on the match score.

Clause 8: A system, comprising: at least one processor; and at least onenon-transitory computer readable medium including one or moreinstructions that, when executed by the at least one processor, causethe at least one processor to: generate a plurality of regions within ageographic area, each region of the plurality of regions associated witha region identifier; receive transaction data associated with aplurality of transactions conducted between a plurality of accounts anda plurality of merchants using a plurality of account identifiers, thetransaction data comprising, for each transaction, an account identifierand a transaction location; receive mobile application data associatedwith a plurality of interactions between a plurality of mobile deviceusers and at least one mobile application using a plurality of useridentifiers, the mobile application data comprising, for eachinteraction, a user identifier and an interaction location; determine aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determine a region ofthe plurality of regions for each interaction of the plurality ofinteractions based on the interaction location; generate a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures; generate an interaction signaturefor each user identifier of the plurality of user identifiers based onthe region for each interaction of the plurality of interactionsassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlink at least one account identifier of the plurality of accountidentifiers to at least one user identifier of the plurality of useridentifiers based on matching the at least one transaction signature tothe at least one interaction signature.

Clause 9: The system of clause 8, wherein the one or more instructionsfurther cause the at least one processor to: generate a plurality of newregions within the geographic area if at least two account identifiersof the plurality of account identifiers are linked to one useridentifier of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one transaction initiated with at least one linked accountidentifier; determine a new region of the plurality of new regions foreach transaction of the plurality of transactions associated with the atleast two linked account identifiers based on the transaction location,wherein at least two transactions of the plurality of transactionsassociated with the at least two linked account identifiers located inthe same region are located in different new regions; determine a newregion of the plurality of new regions for each interaction of theplurality of interactions associated with the linked user identifierbased on the interaction location; generate a new transaction signaturefor each linked account identifier based on the new region for eachtransaction of the plurality of transactions associated with the atleast two linked account identifiers, resulting in a plurality of newtransaction signatures; generate a new interaction signature for thelinked user identifier based on the new region for each interaction ofthe plurality of interactions associated with the linked useridentifier, resulting in a new interaction signature; match one newtransaction signature of the plurality of new transaction signatures tothe new interaction signature; and link one account identifier of theplurality of account identifiers to one user identifier of the pluralityof user identifiers based on matching the one new transaction signatureto the new interaction signature.

Clause 10: The system of clauses 8 or 9, wherein the one or moreinstructions further cause the at least one processor to: generate aplurality of new regions within the geographic area if one accountidentifier of the plurality of account identifiers is linked to at leasttwo user identifiers of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one interaction initiated with at least one linkeduser identifier; determine a new region of the plurality of new regionsfor each interaction of the plurality of interactions associated withthe at least two linked user identifiers based on the interactionlocation wherein at least two interactions of the plurality oftransactions associated with the at least two linked user identifiersthat are located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachtransaction of the plurality of transactions associated with the linkedaccount identifier based on the transaction location; generate a newtransaction signature for the linked account identifier based on the newregion for each transaction of the plurality of transactions associatedwith the linked account identifier, resulting in a new transactionsignature; generate a new interaction signature for each linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the at least two linked useridentifiers, resulting in a plurality of new interaction signatures;match the new transaction signature to one new interaction signature ofthe plurality of new interaction signatures; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching thenew transaction signature to the at least one new interaction signature.

Clause 11: The system of any of clauses 8-10, wherein the transactiondata associated with the plurality of transactions comprises atransaction time and/or the mobile application data associated with theplurality of interactions comprises a time of interaction; and whereingenerating the transaction signature for each account identifier of theplurality of account identifiers data is further based on thetransaction time or generating the interaction signature for each useridentifier of the plurality of user identifiers is further based on thetime of interaction.

Clause 12: The system of any of clauses 8-11, wherein matching at leastone transaction signature of the plurality of transaction signatures toat least one interaction signature of the plurality of interactionsignatures is based on a difference between the transaction time and thetime of interaction satisfying a predetermined threshold.

Clause 13: The system of any of clauses 8-12, at least two accountidentifiers are linked to one user identifier and/or at least two useridentifiers are linked to one account identifier, the one or moreinstructions further cause the at least one processor to: shorten thepredetermined threshold; match at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures; and link at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

Clause 14: The system of any of clauses 8-13, wherein the one or moreinstructions further cause the at least one processor to: generate aplurality of neighborhoods, wherein each neighborhood of the pluralityof neighborhoods encompasses a center region and all regions adjacent tothe center region; determine a neighborhood of the plurality ofneighborhoods for each transaction of the plurality of transactionsbased on the transaction location; determine a neighborhood of theplurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generate a match score,wherein the match score is calculated based on a distance between aneighborhood of a transaction of the plurality of transactions and aneighborhood of an interaction of the plurality of interactions; andmatch at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures based on the match score.

Clause 15: A computer program product comprising at least onenon-transitory computer-readable medium including one or moreinstructions that, when executed by at least one processor, cause the atleast one processor to: generate a plurality of regions within ageographic area, each region of the plurality of regions associated witha region identifier; receive transaction data associated with aplurality of transactions conducted between a plurality of accounts anda plurality of merchants using a plurality of account identifiers, thetransaction data comprising, for each transaction, an account identifierand a transaction location; receive mobile application data associatedwith a plurality of interactions between a plurality of mobile deviceusers and at least one mobile application using a plurality of useridentifiers, the mobile application data comprising, for eachinteraction, a user identifier and an interaction location; determine aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determine a region ofthe plurality of regions for each interaction of the plurality ofinteractions based on the interaction location; generate a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures; generate an interaction signaturefor each user identifier of the plurality of user identifiers based onthe region for each interaction of the plurality of interactionsassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlink at least one account identifier of the plurality of accountidentifiers to at least one user identifier of the plurality of useridentifiers based on matching the at least one transaction signature tothe at least one interaction signature.

Clause 16: The computer program product of clause 15, wherein the one ormore instructions further cause the at least one processor to: generatea plurality of new regions within the geographic area if at least twoaccount identifiers of the plurality of account identifiers are linkedto one user identifier of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one transaction initiated with at least one linkedaccount identifier; determine a new region of the plurality of newregions for each transaction of the plurality of transactions associatedwith the at least two linked account identifiers based on thetransaction location, wherein at least two transactions of the pluralityof transactions associated with the at least two linked accountidentifiers located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachinteraction of the plurality of interactions associated with the linkeduser identifier based on the interaction location; generate a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generate a new interactionsignature for the linked user identifier based on the new region foreach interaction of the plurality of interactions associated with thelinked user identifier, resulting in a new interaction signature; matchone new transaction signature of the plurality of new transactionsignatures to the new interaction signature; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching theone new transaction signature to the new interaction signature.

Clause 17: The computer program product of clauses 15 or 16, wherein theone or more instructions further cause the at least one processor to:generate a plurality of new regions within the geographic area if oneaccount identifier of the plurality of account identifiers is linked toat least two user identifiers of the plurality of user identifiers,wherein at least two new regions of the plurality of new regions overlapwith a region for at least one interaction initiated with at least onelinked user identifier; determine a new region of the plurality of newregions for each interaction of the plurality of interactions associatedwith the at least two linked user identifiers based on the interactionlocation wherein at least two interactions of the plurality oftransactions associated with the at least two linked user identifiersthat are located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachtransaction of the plurality of transactions associated with the linkedaccount identifier based on the transaction location; generate a newtransaction signature for the linked account identifier based on the newregion for each transaction of the plurality of transactions associatedwith the linked account identifier, resulting in a new transactionsignature; generate a new interaction signature for each linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the at least two linked useridentifiers, resulting in a plurality of new interaction signatures;match the new transaction signature to one new interaction signature ofthe plurality of new interaction signatures; and link one accountidentifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching thenew transaction signature to the at least one new interaction signature.

Clause 18: The computer program product of any of clauses 15-17, whereinthe transaction data associated with the plurality of transactionscomprises a transaction time and/or the mobile application dataassociated with the plurality of interactions comprises a time ofinteraction; and wherein generating the transaction signature for eachaccount identifier of the plurality of account identifiers data isfurther based on the transaction time or generating the interactionsignature for each user identifier of the plurality of user identifiersis further based on the time of interaction.

Clause 19: The computer program product of any of clauses 15-18, whereinmatching at least one transaction signature of the plurality oftransaction signatures to at least one interaction signature of theplurality of interaction signatures is based on a difference between thetransaction time and the time of interaction satisfying a predeterminedthreshold.

Clause 20: The computer program product of any of clauses 15-19, whereinthe one or more instructions further cause the at least one processorto: generate a plurality of neighborhoods, wherein each neighborhood ofthe plurality of neighborhoods encompasses a center region and allregions adjacent to the center region; determine a neighborhood of theplurality of neighborhoods for each transaction of the plurality oftransactions based on the transaction location; determine a neighborhoodof the plurality of neighborhoods for each interaction of the pluralityof interactions based on the interaction location; generate a matchscore, wherein the match score is calculated based on a distance betweena neighborhood of a transaction of the plurality of transactions and aneighborhood of an interaction of the plurality of interactions; andmatch at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures based on the match score.

Clause 21: A computer-implemented method, comprising: generating, withat least one processor, a plurality of regions within a geographic area,each region of the plurality of regions associated with a regionidentifier; processing, with at least one processor, transaction dataassociated with a plurality of transactions conducted between aplurality of accounts and a plurality of merchants to determine, foreach transaction, a region of the plurality of regions in which thetransaction occurred; processing, with at least one processor, mobileapplication data associated with a plurality of interactions between aplurality of mobile device users and at least one mobile application todetermine, for each interaction, a region of the plurality of regions inwhich the interaction occurred; generating, with at least one processor,a transaction signature for each account identifier of the plurality ofaccount identifiers based on the region of each transaction initiatedwith the account identifier, resulting in a plurality of transactionsignatures; generating, with at least one processor, an interactionsignature for each user identifier of the plurality of user identifiersbased on the region of each interaction associated with a correspondinguser identifier, resulting in a plurality of interaction signatures;matching, with at least one processor, at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlinking, with at least one processor, at least one account identifier ofthe plurality of account identifiers to at least one user identifier ofthe plurality of user identifiers based on matching the at least onetransaction signature to the at least one interaction signature.

Clause 22: A system, comprising: at least one processor; and at leastone non-transitory computer readable medium including one or moreinstructions that, when executed by the at least one processor, causethe at least one processor to: generate, with at least one processor, aplurality of regions within a geographic area, each region of theplurality of regions associated with a region identifier; process, withat least one processor, transaction data associated with a plurality oftransactions conducted between a plurality of accounts and a pluralityof merchants to determine, for each transaction, a region of theplurality of regions in which the transaction occurred; process, with atleast one processor, mobile application data associated with a pluralityof interactions between a plurality of mobile device users and at leastone mobile application to determine, for each interaction, a region ofthe plurality of regions in which the interaction occurred; generate,with at least one processor, a transaction signature for each accountidentifier of the plurality of account identifiers based on the regionof each transaction initiated with the account identifier, resulting ina plurality of transaction signatures; generate, with at least oneprocessor, an interaction signature for each user identifier of theplurality of user identifiers based on the region of each interactionassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match, with at least one processor,at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures; and link, with at least one processor, at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

Clause 23: A computer program product comprising at least onenon-transitory computer-readable medium including one or moreinstructions that, when executed by at least one processor, cause the atleast one processor to: generate, with at least one processor, aplurality of regions within a geographic area, each region of theplurality of regions associated with a region identifier; process, withat least one processor, transaction data associated with a plurality oftransactions conducted between a plurality of accounts and a pluralityof merchants to determine, for each transaction, a region of theplurality of regions in which the transaction occurred; process, with atleast one processor, mobile application data associated with a pluralityof interactions between a plurality of mobile device users and at leastone mobile application to determine, for each interaction, a region ofthe plurality of regions in which the interaction occurred; generate,with at least one processor, a transaction signature for each accountidentifier of the plurality of account identifiers based on the regionof each transaction initiated with the account identifier, resulting ina plurality of transaction signatures; generate, with at least oneprocessor, an interaction signature for each user identifier of theplurality of user identifiers based on the region of each interactionassociated with a corresponding user identifier, resulting in aplurality of interaction signatures; match, with at least one processor,at least one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures; and link, with at least one processor, at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.

These and other features and characteristics of the presently disclosedsubject matter, as well as the methods of operation and functions of therelated elements of structures and the combination of parts andeconomies of manufacture, will become more apparent upon considerationof the following description and the appended claims with reference tothe accompanying drawings, all of which form a part of thisspecification, wherein like reference numerals designate correspondingparts in the various figures. It is to be expressly understood, however,that the drawings are for the purpose of illustration and descriptiononly and are not intended as a definition of the limits of the disclosedsubject matter. As used in the specification and the claims, thesingular form of “a,” “an,” and “the” include plural referents unlessthe context clearly dictates otherwise.

BRIEF DESCRIPTION OF THE DRAWINGS

Additional advantages and details of the disclosed subject matter areexplained in greater detail below with reference to the exemplaryembodiments or aspects that are illustrated in the accompanying figures,in which:

FIG. 1 is a diagram of a non-limiting embodiment or aspect of anenvironment in which methods, systems, and/or computer program products,described herein, may be implemented according to the principles of thepresently disclosed subject matter;

FIG. 2 is a diagram of a non-limiting embodiment or aspects ofcomponents of one or more devices of FIG. 1;

FIG. 3 is a flowchart of a non-limiting embodiment or aspect of aprocess for matching card transaction data to mobile application dataaccording to the principles of the presently disclosed subject matter;

FIG. 4 is a diagram of a non-limiting embodiment or aspect of animplementation of a non-limiting embodiment or aspect of the processshown in FIG. 3 according to the principles of the presently disclosedsubject matter; and

FIG. 5 is a diagram of a non-limiting embodiment or aspect of animplementation of neighborhoods.

DESCRIPTION

For purposes of the description hereinafter, the terms “end,” “upper,”“lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,”“lateral,” “longitudinal,” and derivatives thereof shall relate to thedisclosed subject matter as it is oriented in the drawing figures.However, it is to be understood that the disclosed subject matter mayassume various alternative variations and step sequences, except whereexpressly specified to the contrary. It is also to be understood thatthe specific devices and processes illustrated in the attached drawings,and described in the following specification, are simply exemplaryembodiments or aspects of the disclosed subject matter. Hence, specificdimensions and other physical characteristics related to the embodimentsor aspects disclosed herein are not to be considered as limiting unlessotherwise indicated.

No aspect, component, element, structure, act, step, function,instruction, and/or the like used herein should be construed as criticalor essential unless explicitly described as such. Also, as used herein,the articles “a” and “an” are intended to include one or more items andmay be used interchangeably with “one or more” and “at least one.”Furthermore, as used herein, the term “set” is intended to include oneor more items (e.g., related items, unrelated items, a combination ofrelated and unrelated items, and/or the like) and may be usedinterchangeably with “one or more” or “at least one.” Where only oneitem is intended, the term “one” or similar language is used. Also, asused herein, the terms “has,” “have,” “having,” or the like are intendedto be open-ended terms. Further, the phrase “based on” is intended tomean “based at least partially on” unless explicitly stated otherwise.

As used herein, the terms “communication” and “communicate” may refer tothe reception, receipt, transmission, transfer, provision, and/or thelike of information (e.g., data, signals, messages, instructions,commands, and/or the like). For one unit (e.g., a device, a system, acomponent of a device or system, combinations thereof, and/or the like)to be in communication with another unit means that the one unit is ableto directly or indirectly receive information from and/or transmitinformation to the other unit. This may refer to a direct or indirectconnection (e.g., a direct communication connection, an indirectcommunication connection, and/or the like) that is wired and/or wirelessin nature. Additionally, two units may be in communication with eachother even though the information transmitted may be modified,processed, relayed, and/or routed between the first and second unit. Forexample, a first unit may be in communication with a second unit eventhough the first unit passively receives information and does notactively transmit information to the second unit. As another example, afirst unit may be in communication with a second unit if at least oneintermediary unit (e.g., a third unit located between the first unit andthe second unit) processes information received from the first unit andcommunicates the processed information to the second unit. In somenon-limiting embodiments or aspects, a message may refer to a networkpacket (e.g., a data packet and/or the like) that includes data. It willbe appreciated that numerous other arrangements are possible.

As used herein, the term “computing device” may refer to one or moreelectronic devices configured to process data. A computing device may,in some examples, include the necessary components to receive, process,and output data, such as a processor, a display, a memory, an inputdevice, a network interface, and/or the like. A computing device may bea mobile device. As an example, a mobile device may include a cellularphone (e.g., a smartphone or standard cellular phone), a portablecomputer, a wearable device (e.g., watches, glasses, lenses, clothing,and/or the like), a personal digital assistant (PDA), and/or other likedevices. A computing device may also be a desktop computer or other formof non-mobile computer.

As used herein, the terms “issuer institution,” “portable financialdevice issuer,” “issuer,” or “issuer bank” may refer to one or moreentities that provide accounts to customers for conducting transactions(e.g., payment transactions), such as initiating credit and/or debitpayments. For example, an issuer institution may provide an accountidentifier, such as a primary account number (PAN), to a customer thatuniquely identifies one or more accounts associated with that customer.The account identifier may be embodied on a portable financial device,such as a physical financial instrument, e.g., a payment card, and/ormay be electronic and used for electronic payments. The terms “issuerinstitution” and “issuer institution system” may also refer to one ormore computer systems operated by or on behalf of an issuer institution,such as a server computer executing one or more software applications.For example, an issuer institution system may include one or moreauthorization servers for authorizing a transaction.

As used herein, the term “account identifier” may include one or moretypes of identifiers associated with a user account (e.g., a PAN, a cardnumber, a payment card number, a payment token, and/or the like). Insome non-limiting embodiments or aspects, an issuer institution mayprovide an account identifier (e.g., a PAN, a payment token, and/or thelike) to a user that uniquely identifies one or more accounts associatedwith that user. The account identifier may be embodied on a physicalfinancial instrument (e.g., a portable financial instrument, a paymentcard, a credit card, a debit card, and/or the like) and/or may beelectronic information communicated to the user that the user may usefor electronic payments. In some non-limiting embodiments or aspects,the account identifier may be an original account identifier, where theoriginal account identifier was provided to a user at the creation ofthe account associated with the account identifier. In some non-limitingembodiments or aspects, the account identifier may be an accountidentifier (e.g., a supplemental account identifier) that is provided toa user after the original account identifier was provided to the user.For example, if the original account identifier is forgotten, stolen,and/or the like, a supplemental account identifier may be provided tothe user. In some non-limiting embodiments or aspects, an accountidentifier may be directly or indirectly associated with an issuerinstitution such that an account identifier may be a payment token thatmaps to a PAN or other type of identifier. Account identifiers may bealphanumeric, any combination of characters and/or symbols, and/or thelike. An issuer institution may be associated with a bank identificationnumber (BIN) that uniquely identifies the issuer institution.

As used herein, the term “merchant” may refer to one or more entities(e.g., operators of retail businesses that provide goods and/orservices, and/or access to goods and/or services, to a user (e.g., acustomer, a consumer, a customer of the merchant, and/or the like) basedon a transaction (e.g., a payment transaction)). As used herein, theterm “merchant system” may refer to one or more computer systemsoperated by or on behalf of a merchant, such as a server computerexecuting one or more software applications. As used herein, the term“product” may refer to one or more goods and/or services offered by amerchant.

As used herein, the term “point-of-sale (POS) device” may refer to oneor more devices, which may be used by a merchant to initiatetransactions (e.g., a payment transaction), engage in transactions,and/or process transactions. For example, a POS device may include oneor more computers, peripheral devices, card readers, near-fieldcommunication (NFC) receivers, radio frequency identification (RFID)receivers, and/or other contactless transceivers or receivers,contact-based receivers, payment terminals, computers, servers, inputdevices, and/or the like.

As used herein, the term “point-of-sale (POS) system” may refer to oneor more computers and/or peripheral devices used by a merchant toconduct a transaction. For example, a POS system may include one or morePOS devices and/or other like devices that may be used to conduct apayment transaction. A POS system (e.g., a merchant POS system) may alsoinclude one or more server computers programmed or configured to processonline payment transactions through webpages, mobile applications,and/or the like.

As used herein, the term “transaction service provider” may refer to anentity that receives transaction authorization requests from merchantsor other entities and provides guarantees of payment, in some casesthrough an agreement between the transaction service provider and theissuer institution. In some non-limiting embodiments or aspects, atransaction service provider may include a credit card company, a debitcard company, and/or the like. As used herein, the term “transactionprocessing system” may refer to one or more computer systems operated byor on behalf of a transaction service provider, such as a transactionprocessing server executing one or more software applications. Atransaction processing system may include one or more processors and, insome non-limiting embodiments or aspects, may be operated by or onbehalf of a transaction service provider.

As used herein, the term “acquirer” may refer to an entity licensed bythe transaction service provider and approved by the transaction serviceprovider to originate transactions (e.g., payment transactions) using aportable financial device associated with the transaction serviceprovider. As used herein, the term “acquirer system” may also refer toone or more computer systems, computer devices, and/or the like operatedby or on behalf of an acquirer. The transactions may include paymenttransactions (e.g., purchases, original credit transactions (OCTs),account funding transactions (AFTs), and/or the like). In somenon-limiting embodiments or aspects, the acquirer may be authorized bythe transaction service provider to assign merchant or service providersto originate transactions using a portable financial device of thetransaction service provider. The acquirer may contract with paymentfacilitators to enable the payment facilitators to sponsor merchants.The acquirer may monitor compliance of the payment facilitators inaccordance with regulations of the transaction service provider. Theacquirer may conduct due diligence of the payment facilitators andensure that proper due diligence occurs before signing a sponsoredmerchant. The acquirer may be liable for all transaction serviceprovider programs that the acquirer operates or sponsors. The acquirermay be responsible for the acts of the acquirer's payment facilitators,merchants that are sponsored by an acquirer's payment facilitators,and/or the like. In some non-limiting embodiments or aspects, anacquirer may be a financial institution, such as a bank.

As used herein, the terms “electronic wallet,” “electronic wallet mobileapplication,” and “digital wallet” may refer to one or more electronicdevices and/or one or more software applications configured to initiateand/or conduct transactions (e.g., payment transactions, electronicpayment transactions, and/or the like). For example, an electronicwallet may include a user device (e.g., a mobile device) executing anapplication program and server-side software and/or databases formaintaining and providing transaction data to the user device. As usedherein, the term “electronic wallet provider” may include an entity thatprovides and/or maintains an electronic wallet and/or an electronicwallet mobile application for a user (e.g., a customer). Examples of anelectronic wallet provider include, but are not limited to, Google Pay®,Android Pay®, Apple Pay®, and Samsung Pay®. In some non-limitingexamples, a financial institution (e.g., an issuer institution) may bean electronic wallet provider. As used herein, the term “electronicwallet provider system” may refer to one or more computer systems,computer devices, servers, groups of servers, and/or the like operatedby or on behalf of an electronic wallet provider.

As used herein, the term “portable financial device” may refer to apayment card (e.g., a credit or debit card), a gift card, a smartcard,smart media, a payroll card, a healthcare card, a wrist band, amachine-readable medium containing account information, a keychaindevice or fob, an RFID transponder, a retailer discount or loyalty card,a cellular phone, an electronic wallet mobile application, a PDA, apager, a security card, a computer, an access card, a wireless terminal,a transponder, and/or the like. In some non-limiting embodiments oraspects, the portable financial device may include volatile ornon-volatile memory to store information (e.g., an account identifier, aname of the account holder, and/or the like).

As used herein, the term “payment gateway” may refer to an entity and/ora payment processing system operated by or on behalf of such an entity(e.g., a merchant service provider, a payment service provider, apayment facilitator, a payment facilitator that contracts with anacquirer, a payment aggregator, and/or the like), which provides paymentservices (e.g., transaction service provider payment services, paymentprocessing services, and/or the like) to one or more merchants. Thepayment services may be associated with the use of portable financialdevices managed by a transaction service provider. As used herein, theterm “payment gateway system” may refer to one or more computer systems,computer devices, servers, groups of servers, and/or the like operatedby or on behalf of a payment gateway and/or to a payment gateway itself.As used herein, the term “payment gateway mobile application” may referto one or more electronic devices and/or one or more softwareapplications configured to provide payment services for transactions(e.g., payment transactions, electronic payment transactions, and/or thelike).

As used herein, the terms “client” and “client device” may refer to oneor more client-side computing devices (e.g., remote from a transactionprocessing system) used to initiate or facilitate a transaction (e.g., apayment transaction). As an example, a “client device” may refer to oneor more POS devices used by a merchant, one or more acquirer hostcomputers used by an acquirer, one or more mobile devices used by auser, and/or the like. In some non-limiting embodiments or aspects, aclient device may be an electronic device configured to communicate withone or more networks and initiate or facilitate transactions.

As used herein, the term “server” may refer to one or more computingdevices (e.g., processors, storage devices, similar computer components,and/or the like) that communicate with client devices and/or othercomputing devices over a network (e.g., a public network, the Internet,a private network, and/or the like) and, in some examples, facilitatecommunication among other servers and/or client devices. It will beappreciated that various other arrangements are possible. As usedherein, the term “system” may refer to one or more computing devices orcombinations of computing devices (e.g., processors, servers, clientdevices, software applications, components of such, and/or the like).Reference to “a device,” “a server,” “a processor,” and/or the like, asused herein, may refer to a previously-recited device, server, orprocessor that is recited as performing a previous step or function, adifferent server or processor, and/or a combination of servers and/orprocessors. For example, as used in the specification and the claims, afirst server or a first processor that is recited as performing a firststep or a first function may refer to the same or different server orthe same or different processor recited as performing a second step or asecond function.

Non-limiting embodiments or aspects of the disclosed subject matter aredirected to systems, methods, and computer program products for matchinguser data from one system to user data from a second system data,including, but not limited to, matching card transaction data to mobileapplication data.

For the purpose of illustration, in the following description, while thepresently disclosed subject matter is described with respect to methods,systems, and computer program products for matching card transactiondata to mobile application data, one skilled in the art will recognizethat the disclosed subject matter is not limited to the illustrativeembodiments or aspects. For example, the methods, systems, and computerprogram products described herein may be used with a wide variety ofsettings, such as user data from one database with known users to userinformation from another database with unknown users wherein eachdatabase provides location information for particular events, such astransaction or interactions.

It has been difficult to identify a mobile phone user based on themobile application data of their user device, such as what mobileapplications they use, when they use it, and where they use it. Thepresent disclosure provides a system, method, and computer programproduct that allows for an entity to match an identity from an accountidentifier to an identity from a mobile user identifier based ontransaction data and mobile application data by comparing the locationsof account transactions to the locations of interactions with one ormore mobile applications. The current disclosure allows for an entity togain additional information about a user from other sources that keepthe identities of their users anonymous. This allows the entity toprovide better service to a customer or client by identifying customerpreferences by identifying activities and interests of the customer fromoutside sources. The systems and methods disclosed herein also allow fordecreased computational resource usage. A finer mesh of regions resultsin increased computational resources to generate the regions andidentify which regions used in the disclosed methodology are associatedwith each transaction and interaction. By starting with a less finemesh, and creating finer meshes as needed, less computational resourcesare utilized when generating the mesh of regions. Additionally, too fineof a mesh may result in less confident matches as a user will often movelocations between making a transaction and making an interaction.Therefore, an interaction and a transaction are less likely to belocated in the same region if the regions are too small. Non-limitingembodiments described herein allow for increased accuracy and confidencewhen matching a user to an account by either altering the geographicregion size or by altering a timing threshold difference between thetransaction time and the time of the interaction.

Referring now to FIG. 1, FIG. 1 is a diagram of a non-limitingembodiment or aspect of a system 100. As shown in FIG. 1, the system 100includes transaction processing system 102, issuer system 104, customerdevice 106, merchant system 108, acquirer system 110, and communicationnetwork 112.

Transaction processing system 102 may include one or more computingdevices capable of receiving information from and/or communicatinginformation to issuer system 104, customer device 106, merchant system108, and/or acquirer system 110 via network 112. For example,transaction processing system 102 may include a server (e.g., atransaction processing server), a group of servers, and/or other likedevices. In some non-limiting embodiments or aspects, transactionprocessing system 102 may be associated with a transaction serviceprovider as described herein. In some non-limiting embodiments oraspects, transaction processing system 102 may be in communication witha data storage device, which may be local or remote to transactionprocessing system 102. In some non-limiting embodiments or aspects,transaction processing system 102 may be capable of receivinginformation from, storing information in, communicating information to,or searching information stored in the data storage device.

Issuer system 104 may include one or more computing devices capable ofreceiving information and/or communicating information to transactionprocessing system 102, customer device 106, merchant system 108, and/oracquirer system 110 via network 112. For example, issuer system 104 mayinclude a server, a group of servers, and/or other like devices. In somenon-limiting embodiments or aspects, issuer system 104 may be associatedwith an issuer institution as described herein. For example, issuersystem 104 may be associated with an issuer institution that issued acredit account, debit account, credit card, debit card, and/or the liketo a user associated with customer device 106.

Customer device 106 may include one or more computing devices capable ofreceiving information from and/or communicating information totransaction processing system 102, issuer system 104, merchant system108, and/or acquirer system 110 via network 112. For example, customerdevice 106 may include a client device and/or the like. In somenon-limiting embodiments or aspects, customer device 106 may be capableof receiving information (e.g., from merchant system 108 or from anothercustomer device 106) via a short-range wireless communication connection(e.g., an NFC communication connection, an RFID communicationconnection, a Bluetooth® communication connection, a Zigbee®communication connection, and/or the like), and/or communicatinginformation (e.g., to merchant system 108) via a short-range wirelesscommunication connection.

Merchant system 108 may include one or more computing devices capable ofreceiving information from and/or communicating information totransaction processing system 102, issuer system 104, customer device106, and/or acquirer system 110 via network 112. Merchant system 108 mayalso include a device capable of receiving information from customerdevice 106 via network 112, a communication connection (e.g., an NFCcommunication connection, an RFID communication connection, a Bluetooth®communication connection, a Zigbee® communication connection, and/or thelike) with customer device 106, and/or the like, and/or communicatinginformation to customer device 106 via network 112, the communicationconnection, and/or the like. In some non-limiting embodiments oraspects, merchant system 108 may include a server, a group of servers, aclient device, a group of client devices, and/or other like devices. Insome non-limiting embodiments or aspects, merchant system 108 may beassociated with a merchant as described herein. In some non-limitingembodiments or aspects, merchant system 108 may include one or moreclient devices. For example, merchant system 108 may include a clientdevice that allows a merchant to communicate information to transactionprocessing system 102. In some non-limiting embodiments or aspects,merchant system 108 may include one or more devices, such as computers,computer systems, and/or peripheral devices capable of being used by amerchant to conduct a transaction with a user. For example, merchantsystem 108 may include a POS device and/or a POS system.

Acquirer system 110 may include one or more computing devices capable ofreceiving information from and/or communicating information totransaction processing system 102, issuer system 104, customer device106, and/or merchant system 108 via network 112. For example, acquirersystem 110 may include a server, a group of servers, and/or the like. Insome non-limiting embodiments or aspects, acquirer system 110 may beassociated with an acquirer as described herein.

Network 112 may include one or more wired and/or wireless networks. Forexample, network 112 may include a cellular network (e.g., a long-termevolution (LTE) network, a third generation (3G) network, a fourthgeneration (4G) network, a fifth generation (5G) network, a codedivision multiple access (CDMA) network, and/or the like), a public landmobile network (PLMN), a local area network (LAN), a wide area network(WAN), a metropolitan area network (MAN), a telephone network (e.g., thepublic switched telephone network (PSTN)), a private network (e.g., aprivate network associated with a transaction service provider), an adhoc network, an intranet, the Internet, a fiber optic-based network, acloud computing network, and/or the like, and/or a combination of theseor other types of networks.

With continued reference to FIG. 1, a customer device 106 maycommunicate mobile application data to a transaction processing system102. The customer device 106 may communicate the mobile application datato the transaction processing system 102 through a third party ornetwork 112.

With continued reference to FIG. 1, a merchant system 108 maycommunicate transaction data to the transaction processing system 102through the communication network 112. The merchant system 108 maycommunicate the transaction data to the transaction processing system102 through a third party. In some non-limiting embodiments or aspects,the transaction data may be communicated to the transaction processingsystem 102 by an issuer system 104 or an acquirer system 110.

With continued reference to FIG. 1, in some non-limiting embodiments oraspects, the transaction data and mobile application data may becommunicated to an issuer system 104 and/or an acquirer system 110. Insome non-limiting embodiments or aspects, the customer device 106 maycommunicate a transaction to the merchant system 108.

With continued reference to FIG. 1, the transaction processing system102 may generate a set of geographic regions and each transactionassociated with the transaction data and each mobile applicationinteraction associated with the mobile application data may be assignedto a specific geographic region. The transaction processing system 102may generate a transaction signature for each account identifierassociated with the transaction data based on the regions associatedwith the transactions associated with the account identifier. Thetransaction processing system 102 may also generate an interactionsignature for each user identifier associated with the mobileapplication data based on the regions associated with the mobileapplication interactions associated with user identifier. In somenon-limiting embodiments or aspects, the issuer system or the acquirersystem may generate the geographic regions, transaction signatures,and/or interaction signatures.

With continued reference to FIG. 1, the transaction processing system102 may match a transaction signature to an interaction signature basedon the regions associated with the transaction signature and theinteraction signature. Transaction processing system 102 may then linkan account identifier to a user identifier based on the matchedtransaction signature associated with the account identifier andinteraction signature associated with the user identifier. In somenon-limiting embodiments or aspects, the issuer system 104 and/or theacquirer system 110 may match the transaction signature and interactionsignature and may link the account identifier to the user identifier.

The number and arrangement of systems, devices, and/or networks shown inFIG. 1 are provided as an example. There may be additional systems,devices, and/or networks; fewer systems, devices, and/or networks;different systems, devices, and/or networks; and/or differently arrangedsystems, devices, and/or networks than those shown in FIG. 1.Furthermore, two or more systems or devices shown in FIG. 1 may beimplemented within a single system or device, or a single system ordevice shown in FIG. 1 may be implemented as multiple, distributedsystems or devices. Additionally or alternatively, a set of systems(e.g., one or more systems) or a set of devices (e.g., one or moredevices) of system 100 may perform one or more functions described asbeing performed by another set of systems or another set of devices ofsystem 100.

Referring now to FIG. 2, FIG. 2 is a diagram of example components of adevice 200. Device 200 may correspond to one or more devices oftransaction processing system 102, one or more devices of issuer system104, customer device 106, one or more devices of merchant system 108,and/or one or more devices of acquirer system 110. In some non-limitingembodiments or aspects, transaction processing system 102, issuer system104, customer device 106, merchant system 108, and/or acquirer system110 may include at least one device 200 and/or at least one component ofdevice 200. As shown in FIG. 2, device 200 may include bus 202,processor 204, memory 206, storage component 208, input component 210,output component 212, and communication interface 214.

Bus 202 may include a component that permits communication among thecomponents of device 200. In some non-limiting embodiments or aspects,processor 204 may be implemented in hardware, software, firmware, and/orany combination thereof. For example, processor 204 may include aprocessor (e.g., a central processing unit (CPU), a graphics processingunit (GPU), an accelerated processing unit (APU), and/or the like), amicroprocessor, a digital signal processor (DSP), and/or any processingcomponent (e.g., a field-programmable gate array (FPGA), anapplication-specific integrated circuit (ASIC), and/or the like), and/orthe like, which can be programmed to perform a function. Memory 206 mayinclude random access memory (RAM), read-only memory (ROM), and/oranother type of dynamic or static storage device (e.g., flash memory,magnetic memory, optical memory, and/or the like) that storesinformation and/or instructions for use by processor 204.

Storage component 208 may store information and/or software related tothe operation and use of device 200. For example, storage component 208may include a hard disk (e.g., a magnetic disk, an optical disk, amagneto-optic disk, a solid state disk, and/or the like), a compact disc(CD), a digital versatile disc (DVD), a floppy disk, a cartridge, amagnetic tape, and/or another type of computer-readable medium, alongwith a corresponding drive.

Input component 210 may include a component that permits device 200 toreceive information, such as via user input (e.g., a touch screendisplay, a keyboard, a keypad, a mouse, a button, a switch, amicrophone, a camera, and/or the like). Additionally or alternatively,input component 210 may include a sensor for sensing information (e.g.,a global positioning system (GPS) component, an accelerometer, agyroscope, an actuator, and/or the like). Output component 212 mayinclude a component that provides output information from device 200(e.g., a display, a speaker, one or more light-emitting diodes (LEDs),and/or the like).

Communication interface 214 may include a transceiver-like component(e.g., a transceiver, a receiver and transmitter that are separate,and/or the like) that enables device 200 to communicate with otherdevices, such as via a wired connection, a wireless connection, or acombination of wired and wireless connections. Communication interface214 may permit device 200 to receive information from another deviceand/or provide information to another device. For example, communicationinterface 214 may include an Ethernet interface, an optical interface, acoaxial interface, an infrared interface, a radio frequency (RF)interface, a universal serial bus (USB) interface, a Wi-Fi® interface, aBluetooth® interface, a Zigbee® interface, a cellular network interface,and/or the like.

Device 200 may perform one or more processes described herein. Device200 may perform these processes based on processor 204 executingsoftware instructions stored by a computer-readable medium, such asmemory 206 and/or storage component 208. A computer-readable medium(e.g., a non-transitory computer-readable medium) is defined herein as anon-transitory memory device. A non-transitory memory device includesmemory space located inside of a single physical storage device ormemory space spread across multiple physical storage devices.

Software instructions may be read into memory 206 and/or storagecomponent 208 from another computer-readable medium or from anotherdevice via communication interface 214. When executed, softwareinstructions stored in memory 206 and/or storage component 208 may causeprocessor 204 to perform one or more processes described herein.Additionally or alternatively, hardwired circuitry may be used in placeof or in combination with software instructions to perform one or moreprocesses described herein. Thus, embodiments or aspects describedherein are not limited to any specific combination of hardware circuitryand software.

The number and arrangement of components shown in FIG. 2 are provided asan example. In some non-limiting embodiments or aspects, device 200 mayinclude additional components, fewer components, different components,or differently arranged components than those shown in FIG. 2.Additionally or alternatively, a set of components (e.g., one or morecomponents) of device 200 may perform one or more functions described asbeing performed by another set of components of device 200.

Referring now to FIG. 3, FIG. 3 is a flowchart of a non-limitingembodiment or aspect of a process 300 for matching transaction data withmobile application data. In some non-limiting embodiments or aspects,one or more of the steps of process 300 may be performed (e.g.,completely, partially, and/or the like) by a transaction processingsystem. In some non-limiting embodiments or aspects, one or more of thesteps of process 300 may be performed (e.g., completely, partially,and/or the like) by another system, another device, another group ofsystems, or another group of devices, separate from or includingmerchant systems, acquirer systems, and/or issuer systems.

As shown in FIG. 3, at step 302, process 300 may include generating aplurality of regions within a geographic area. The regions and/orgeographic area may defined by geographic coordinates, streets, cityblocks, zip codes, cities, states, provinces, countries, addresses,radius and/or distance from an address and/or geographic coordinate,artificial boundaries, and/or the like. In some non-limiting embodimentsor aspects, the size of the regions may be predetermined and may bebased on computational time to generate the regions. In somenon-limiting embodiments, the size of the regions may be determined by amachine learning algorithm. For example, the machine learning algorithmmay determine the sizes of regions based on the sizes of previousregions that resulted in linking user identifiers to account identifiers(e.g., linking a single user identifier to a single account identifier)based on previously analyzed transaction data and mobile applicationdata. Each region may be associated with a unique region identifier. Theregion identifier may be a numerical value, alphabetical value, and/oran alphanumerical value.

In some non-limiting embodiments or aspects, the number of regionswithin the geographic area may be predetermined. In some non-limitingembodiments or aspects, the size of the regions may be determined basedon land area, population, number of merchants, and/or the like. In somenon-limiting embodiments or aspects, the regions may be defined by apolygon defined by a convex hull algorithm. The regions may be definedsuch that the regions do not overlap with each other. A region may shareat least a portion of its boundary line with another region.

In some non-limiting embodiments or aspects, each neighborhood may beassociated with a unique neighborhood identifier. A neighborhood mayinclude the geographic area(s) enclosed by a specified region (e.g., acenter region) and all regions adjacent to the specified region.Adjacent regions may include regions which share at least a portion ofthe boundary line of the specified region. A neighborhood may be definedfor more than one region, or may be defined for every region, whereineach region is the specified region for its own associated neighborhood.More than one neighborhood may overlap with another neighborhood. Aregion may be included in more than one neighborhood such that it is thespecified region in one neighborhood and may be an adjacent region inone or more neighborhoods.

FIG. 5 shows an example of neighborhoods according to some non-limitingembodiments or aspects. In this example, the first neighborhood 520 isassociated with center region 501, and the second neighborhood 530 isassociated with center region 502. The first neighborhood's centerregion 501 is adjacent to regions 502, 503, 504, and 505. Therefore, thefirst neighborhood 520 may be determined to be associated with thegeographic areas enclosed by regions 501, 502, 503, 504, and 505. Thesecond neighborhood's center region 502 is adjacent to neighborhoods501, 504, 505, 506, and 507. Therefore, the second neighborhood 530 maybe determined to be associated with the geographic areas enclosed byregions 501, 502, 504, 505, 506, and 507. In this example, regions 501,502, 504, and 505 are included in both the first neighborhood 520 andthe second neighborhood 530. In this example, regions 508, 509, and 510are not adjacent to either 501 or 502, and thus are not included in thefirst neighborhood 520 or the second neighborhood 530.

Referring back to FIG. 3, at step 304, the process 300 may includereceiving transaction data associated with a plurality of transactionsconducted between a plurality of accounts and a plurality of merchantsusing a plurality of account identifiers. The transaction data mayinclude, for example, an account identifier and a transaction locationfor each transaction. The transaction location may include the merchantname and/or identifier, merchant category, and/or a geographic location,such as an address, a zip code, geographic coordinates, and/or the like.The transaction data may also include the date and/or time oftransaction.

In some non-limiting embodiments or aspects, the transaction datareceived may be from a predetermined period of time. For example, thetransaction data may be for transactions initiated on a particular day,or from a range of dates and/or times. The transaction data may be fortransactions initiated within a particular range of hours, for example.

With continued reference to FIG. 3, at step 306, process 300 may includereceiving mobile application data associated with at least oneinteraction between at least one mobile device user and at least onemobile application using a plurality of user identifiers (e.g.,interaction data). The mobile application data may include a useridentifier, connection type (e.g., WiFi®, mobile data, and/or the like),type of mobile device, and an interaction location for each interaction.The interaction location may include the mobile application name and/oridentifier, and/or a geographic location, such as an address, a zipcode, geographic coordinates (e.g. latitudinal/longitudinal coordinatesand/or the like), and/or the like. The mobile application data mayinclude the date and/or time of interaction.

In some non-limiting embodiments or aspects, the mobile application datareceived may be from a predetermined period of time. For example, themobile application data may represent interactions initiated on aparticular day or from a range of dates and/or times. The mobileapplication data may represent interactions initiated within aparticular range of hours, for example.

With continued reference to FIG. 3, at step 308, process 300 may includedetermining a region identifier for each transaction based on thetransaction location. In some non-limiting embodiments or aspects, thetransaction location may be based on the geographic location of thetransaction. In some non-limiting embodiments or aspects, the region maybe determined using a GIS tool (e.g., a spatial join operation, apoint-in-geometry algorithm, and/or the like). In some non-limitingembodiments or aspects, a neighborhood identifier for each transactionmay be determined based on the transaction location.

With continued reference to FIG. 3, at step 310, process 300 may includedetermining a region identifier for each interaction based on theinteraction location. In some non-limiting embodiments or aspects, theinteraction location may be based on the geographic location of theinteraction. In some non-limiting embodiments or aspects, the region maybe determined using a geographic information system (GIS) tool (e.g., aspatial join operation, a point-in-geometry algorithm, and/or the like).In some non-limiting embodiments or aspects, a neighborhood identifierfor each interaction may be determined based on the interactionlocation.

With continued reference to FIG. 3, at step 312, process 300 may includegenerating a transaction signature for each account identifier based onthe region of each transaction initiated with the account identifier.This may result in a plurality of transaction signatures. In somenon-limiting embodiments or aspects, the transaction signature may bebased on the region identifiers of each region in which a transactionfor the account identifier took place. For example, the transactionsignature may contain each region identifier associated with thetransactions of the account identifier. In some non-limiting embodimentsor aspects, the transaction signature may be based on the neighborhoodidentifier associated with the transaction. In some non-limitingembodiments or aspects, the transaction signature may be based on thetransaction time. In some non-limiting embodiments or aspects, atransaction signature may be generated for only account identifiersassociated with transactions located within a predetermined minimumnumber of unique regions (e.g., a transaction signature is onlygenerated if transactions associated with the account identifier arelocated in at least three different regions).

In some non-limiting embodiments or aspects, more than one transactionsignature may be associated with an account identifier. In somenon-limiting embodiments or aspects, a transaction signature may begenerated based on a predetermined interval of time (e.g., every hour,every day, every week, and/or the like) such that each accountidentifier is associated with a plurality of transaction signaturesincluding a transaction signature for each interval of time for eachinterval in a period of time. A longer predetermined interval of time(e.g., several weeks, a month, and/or the like) may result in a largernumber of transactions associated with the transaction signature and alarger number of region identifiers and/or neighborhood identifiersassociated with the transaction signature. An increased number ofassociated region identifiers and/or neighborhood identifiers willresult in a more unique transaction signature. Therefore, a longerpredetermined interval of time may increase the uniqueness of thetransaction signature. The transaction signatures may be generated atthe end of each predetermined interval of time, for example. In somenon-limiting embodiments or aspects, the transaction signatures forseveral intervals of time may be generated at once, such as wheninitiated by a user after specifying a number of intervals of time orautomatically after a period of time has passed or another triggeringevent has occurred.

In some non-limiting embodiments or aspects, a home region may bedetermined based on the transaction signatures. For example, a homeregion may be determined based on the locations of transactionsassociated with everyday merchant categories (e.g., grocery stores, gasstations, and/or the like). A high concentration of transactionsassociated with everyday merchant categories in a particular region mayindicate that the user's home is in that particular region. For example,it may be determined that a user's home is in a particular region basedon the number of such transactions (including the actual number or arelative number based on other transactions) in that region meeting athreshold.

With continued reference to FIG. 3, at step 314, process 300 may includegenerating an interaction signature for each user identifier based onthe region of each interaction associated with the corresponding useridentifier. This may result in a plurality of interaction signatures.For example, the interaction signature for a user may be based on theregion identifiers of each region in which an interaction for the useridentifier corresponding to that user took place. In some non-limitingembodiments or aspects, the interaction signature may be based on thetime of the interaction. In some non-limiting embodiments or aspects,the interaction signature may be generated using the same method asgenerating the transaction signature, but based on the interaction datainstead of the transaction data. In some non-limiting embodiments oraspects, an interaction signature may be generated for only useridentifiers associated with interactions located within a predeterminedminimum number of unique regions (e.g., an interaction signature is onlygenerated if interactions associated with the user identifier arelocated in at least three different regions).

In some non-limiting embodiments or aspects, more than one interactionsignature may be associated with a user identifier. For example, aninteraction signature may be generated based on a predetermined intervalof time (e.g., every hour, every day, every week, and/or the like) suchthat each user identifier has an interaction signature for each intervalof time over a period of time. A longer predetermined interval of time(e.g., several weeks, a month, and/or the like) may result in a largernumber of interactions associated with the interaction signature and alarger number of region identifiers and/or neighborhood identifiersassociated with the interaction signature. An increased number ofassociated region identifiers and/or neighborhood identifiers willresult in a more unique interaction signature. Therefore, a longerpredetermined interval of time may increase the uniqueness of theinteraction signature. The interaction signatures may be generated atthe end of each predetermined interval of time. The interactionsignatures for several intervals of time may be generated at once, suchas when initiated by a user after specifying a number of intervals oftime, or automatically.

In some non-limiting embodiments or aspects, a home region may bedetermined based on the interaction signatures. A home region may bedetermined based on the locations of frequent WiFi® connections. Forexample, a high concentration of interactions (e.g., a number ofinteractions or relative interactions satisfying a threshold and/or alength of connection over a specified period of time satisfying athreshold) associated with a particular WiFi® connection in a particularregion may indicate that the user's home is in that particular region.

With continued reference to FIG. 3, at step 316, at least onetransaction signature may be matched to at least one interactionsignature. In some non-limiting embodiments or aspects, a transactionsignature may be matched to an interaction signature based on at leastone region identifier associated with the transaction signature and theinteraction signature. In some non-limiting embodiments or aspects, thetransaction signature may be matched to the interaction signature basedon at least one neighborhood identifier associated with the transactionsignature and the interaction signature. In some non-limitingembodiments or aspects, a match may be made for multiple intervals oftime such that a separate match is made for each interval (e.g., everyday, every week, etc.). A larger interval of time may result in anincrease in the number of region identifiers and/or neighborhoodidentifiers associated with the transaction signature and/or interactionsignature. A larger number of region identifiers and/or neighborhoodidentifiers may increase the uniqueness of the transaction signatureand/or interaction signature. Matching a transaction signature with aninteraction signature based on a higher number of region identifiersand/or neighborhood identifiers will result in an increased confidencethat the transaction signature is associated with the same user as theuser associated with the matched interaction signature. Therefore, alarger interval of time may increase the uniqueness of the transactionsignature and/or interaction signature and increase confidence that thecorrect interaction signature is matched to the correct transactionsignature. Matching a transaction signature to an interaction signaturemay include, for example, matching the transaction identifier associatedwith the transaction signature to the interaction identifier associatedwith the interaction signature.

In some non-limiting embodiments or aspects, matching at least onetransaction signature to at least one interaction signature may be basedon a difference between the transaction time of at least one transactionassociated with the transaction signature and the time of interaction ofat least one interaction associated with the transaction signature. Ifthe difference between the transaction time and the time of interactionsatisfies a predetermined threshold value (e.g., to be less than orequal to a predetermined value), the times may be determined to be amatch. For example, an interaction may be required to have a time ofinteraction of an interaction associated with the interaction signatureto occur within one day, one hour, or 30 minutes of a transaction timeof a transaction associated with the transaction signature in the sameregion in order for the transaction signature and the interactionsignature to be matched.

With continued reference to FIG. 3, at step 318, at least one accountidentifier may be linked to at least one user identifier based on thematching. For example, in some non-limiting embodiments or aspects, anaccount identifier may be linked to a user identifier if transactionsignatures associated with the account identifier and interactionsignatures of the user identifier are matched more than one time, orafter a predetermined number of matches and/or percentage of matches(e.g., 90% of the transaction signatures associated with an accountidentifier are matched to interaction signatures associated with a useridentifier with at least 10 transaction signatures analyzed). Inresponse to more than one account identifier being linked to the sameuser identifier, or more than one user identifier being linked to thesame user identifier, the predetermined number of matches and/orpercentage of matches required to link the user identifier to theaccount identifier may be increased. A larger number of matches willincrease the confidence that the linked account identifier and linkeduser identifier are associated with the same user. In some non-limitingembodiments or aspects, a common matching key may be created for alinked user identifier and account identifier.

In some non-limiting embodiments or aspects, if more than one accountidentifier is linked to one user identifier, and/or if more than oneuser identifier is linked to one account identifier, the predeterminedthreshold value for the difference between the transaction time and thetime of interaction may be decreased. After the threshold is decreased,at least one transaction signature may be matched to at least oneinteraction signature. The matching may be based on the decreasedthreshold. At least one account identifier associated with the matchedtransaction signature may be linked to at least one user identifierassociated with the matched interaction signature.

In some non-limiting embodiments or aspects, in response to more thanone interaction signature being matched to the same transactionsignature, or in response to more than one transaction signature beingmatched to the same interaction signature, a new set of regions may begenerated. Generation of the new set of regions may be used to refinethe results such that a single interaction signature can be linked to asingle interaction signature. In some non-limiting embodiments oraspects, the new set of regions may be generated such that at least twoof the new regions overlap with at least one of the regions associatedwith a linked transaction signature or a linked interaction signature.In some non-limiting embodiments or aspects, the new set of regions maybe generated such that two or more interactions signatures and/or two ormore interaction signatures that were located in the same originalregion are located in at least two different new regions.

In some non-limiting embodiments or aspects, the new set of regions(e.g., a plurality of new regions) may be generated such that theaverage size of the new regions is smaller than the average size of theoriginal regions. For example, the new set of regions may contain ahigher number of regions than the original set of regions. The new setof regions may split one or more original region into two or more newregions. In some non-limiting embodiments or aspects, at least one ofthe new regions may be larger than the original regions (e.g., one ormore original regions with no transactions or interactions may becombined to make a larger region). In some non-limiting embodiments oraspects, the new set of regions may include the same boundary lines asthe original set of regions in addition to new boundary lines for thegeneration of the new regions.

Once the new set of regions is generated, the new region for eachtransaction based on the transaction location is determined. The newregion for each interaction based on the interaction location may alsobe determined. In some non-limiting embodiments or aspects, a newtransaction signature and a new interaction signature may be generatedbased on the new regions associated with each transaction andinteraction. In some non-limiting embodiments or aspects, the newinteraction signature and new transaction signature may be matched basedon the new regions associated with the new interaction signature and newtransaction signature. In some non-limiting embodiments or aspects, theaccount identifier associated with the matched new transaction signaturemay be linked to the user identifier associated with the new interactionsignature.

In some non-limiting embodiments or aspects, the new regions may only bedetermined for the transactions associated with a portion of the accountidentifiers and/or interactions associated with a portion of the useridentifiers. For example, for account identifiers that are linked in aone-to-one relationship with user identifiers, no new interactionsignatures or transaction signatures may be generated for theinteractions and transactions associated with the account identifiersand user identifiers.

In some non-limiting embodiments or aspects, the new regions may begenerated if no transaction signature is matched to an interactionsignature. For example, if no matches are made, the new set of regionsmay include a fewer number regions than the set of original regionsand/or the new regions may be larger in geographic size than theoriginal regions.

In some non-limiting embodiments or aspects, the generation of the newset of regions may occur before the linking step of 318 such that a newset of regions is generated in response to more than one interactionsignature being matched to the same transaction signature (e.g., amany-to-one match) or in response to more than one transaction signaturebeing matched to the same interaction signature (e.g., a one-to-manymatch). Generation of the new set of regions may be used to refine theresults such that a single transaction signature can be matched to asingle interaction signature (e.g., a one-to-one match). In somenon-limiting embodiments or aspects, the generation of new sets ofregions may be repeated until a one-to-one match is achieved.

In some non-limiting embodiments or aspects, in response to more thanone interaction signature being matched to the same transactionsignature, or in response to more than one transaction signature beingmatched to the same interaction signature, the predetermined interval oftime of the interaction signatures and/or the transaction signatures maybe lengthened and a new set of interaction signatures and transactionsignatures may be generated. A lengthened predetermined interval of timemay result in more interactions and/or transactions being included ineach interaction signature and transaction signature. The additionalinteractions and transactions may increase the number of regions and/orneighborhoods associated with the interaction signature and/ortransaction signature, resulting in more unique interaction signaturesand/or transaction signatures. This will also result in a decreasedlikelihood that an interaction signature will be matched to atransaction signature, which will decrease the number of multiplematches to the same transaction signature or interaction signature.Therefore, lengthening the predetermined interval of time of theinteraction signatures and/or the transaction signatures may result inincreased uniqueness of the interaction signatures and/or transactionsignatures and increase confidence in a single match of a transactionsignature to an interaction signature.

In some non-limiting embodiments or aspects, in response to at least oneinteraction signature not being matched to a transaction signature, orin response to at least one transaction signature not being matched toan interaction signature, the predetermined interval of time of theinteraction signatures and/or the transaction signatures may beshortened and a new set of interaction signatures and transactionsignatures may be generated. A shortened predetermined interval of timemay result in fewer interactions and/or transactions being included ineach interaction signature and transaction signature. The fewerinteractions and transactions may decrease the number of regions and/orneighborhoods associated with the interaction signature and/ortransaction signature, resulting in less unique interaction signaturesand/or transaction signatures. This will also result in an increasedlikelihood that an interaction signature will be matched to atransaction signature, which will increase the number of matches betweentransaction signatures and interaction signatures.

In some non-limiting embodiments or aspects, the lengthening orshortening of the predetermined interval of time of the interactionsignatures and/or the transaction signatures may occur before thelinking step of 318. The lengthening or shortening of the predeterminedinterval of time of the interaction signatures and/or the transactionsignatures may be repeated for all or a subset of the interactionsignatures and/or transaction signatures until a one-to-one match isachieved.

In some non-limiting embodiments or aspect, the lengthening orshortening of the predetermined interval of time of the interactionsignatures and/or the transaction signatures and/or the generation ofthe new set of regions may occur in response to more than one accountidentifier being linked to the same user identifier, or more than oneuser identifier being linked to the same account identifier.

In some non-limiting embodiments or aspects, a match score may begenerated to determine the likelihood of a match between a useridentifier and an account identifier. In some non-limiting embodimentsor aspects, a match score may be generated for a potential match betweeneach potential pair of user identifier and account identifier. The matchscore may be generated utilizing an algorithm, such as a pairwisealignment algorithm, dynamic time warping, Needleman-Wunsch algorithm,and/or the like. The match score may increase confidence that the matchis correct. In some non-limiting embodiments or aspects, the match scoremay be calculated by comparing the neighborhoods and/or regionsassociated with each transaction signature associated with the accountidentifier to the neighborhoods and/or regions associated with eachinteraction signature associated with the user identifier. In somenon-limiting embodiments, only a subset of the transaction signatures iscompared to a subset of the interaction signatures. The subset may bebased on the transaction signatures and interaction signatures beingassociated with a specified date range and/or time interval range.

In some non-limiting embodiments or aspects, when calculating a matchscore, each pair of regions and/or neighborhoods (e.g., for each regionand/or neighborhood of the interaction signature of the user identifiercompared to a region and/or neighborhood of the transaction signature ofthe account identifier or vice versa) may be assigned a value. Forexample, if the user identifier and the account identifier areassociated with multiple interaction signatures and transactionsignatures, then the interaction signatures may be compared to thetransaction signatures that encompass the same time interval as therespective interaction signature. If both the transaction signature andthe interaction signature are associated with the same region and/orneighborhood, then a match value (e.g., a value of 1) may be added tothe match score of the pair for each region that the transactionsignature and the interaction signature have in common. If thetransaction signature and the interaction signature are associated withan unequal number of regions and/or neighborhoods, such that either thetransaction signature or the interaction signature is associated with ahigher number of regions and/or neighborhoods than the other, then foreach extra region and/or neighborhood, a gap penalty value (e.g., avalue of −0.5) may be added to the match score which is lower than thematch value and may be a negative value.

In some non-limiting embodiments or aspects, if the interactionsignature is associated with a region and/or neighborhood that is notassociated with the transaction signature, and the transaction signatureis associated with a region and/or neighborhood that is not associatedwith the interaction signature, then a distance value is calculated forthe mismatched regions and/or neighborhoods which is added to the matchscore. For example, the distance value may be calculated based on adistance between the mismatched regions and/or neighborhoods (d) and themaximum (max) distance of the regions and/or neighborhoods (d_(max)).The max distance is the largest distance between any two regions and/orneighborhoods. The max distance may be calculated based on the distancebetween the centroids of the regions and/or neighborhoods. The distancebetween the mismatched regions and/or neighborhoods may also becalculated based on the distance between the centroids of the regionsand/or neighborhoods. The distance value can then be calculated as1−d/d_(max). If d is equal to d_(max), then the distance value would bezero, resulting in no match between the region of the user identifierand the region of the account identifier. If an interaction ortransaction is located in more than one neighborhood, each neighborhoodof the interaction or transaction may be compared in order to find thebest match (e.g. the highest value). In some non-limiting embodiments oraspects, the distance values added to the match score may be the highestdistance values calculated based on all of the possible combinationsbetween the regions and/or neighborhoods of the transaction signatureand the regions and/or neighborhoods of the interaction signature.

In some non-limiting embodiments or aspects, the total match score for apair of the user identifier and account identifier may be calculated byadding each of the gap penalties, match values, and distance values ofall transaction signatures and interaction signatures associated withthe user identifier and account identifier. A higher sum value indicatesa higher relevance and more robust match between the user identifier andthe account identifier. For example, if the sum value satisfies (e.g.,meets or exceeds) a predetermined threshold value, it may be determinedthat the match is a confident match. In some non-limiting embodiments,only a subset of the transaction signatures and interaction signaturesassociated with the user identifier and account identifier may be usedto compute the total match score (e.g., only the transaction signaturesand interaction signatures associated with a specified date range).

In some non-limiting embodiments or aspects, the use of the total matchscore and neighborhoods may provide benefits such as allowing forallowing for transactions and interactions that occur at differenttimes, and thus different locations, to still be able to be correlatedto each other. The use of the total match score and neighborhoods mayalso reduce the computational resources necessary to calculate thedistance value compared to calculating the distance value using thelatitudinal and longitudinal coordinates of each interaction andtransaction, thereby improving the speed and efficiency of the computingdevice.

Referring now to FIG. 4, FIG. 4 is a diagram of a non-limitingembodiment of a system 400 relating to process 300 shown in FIG. 3. Asshown in FIG. 4, the system 400 may include transaction data 401, atransaction processing system 402, mobile application data 403,geographic data 404, and a communication network 412. The transactionprocessing system 402 may be the same or similar to the transactionprocessing system 102 described in FIG. 1. The communication network 412may be the same or similar to the communication network 112 described inFIG. 1.

With continued referenced to FIG. 4, the transaction processing system402 may receive mobile application data 403. The mobile application data403 may be communicated to the transaction processing system 402 througha communication network 412. The mobile application data 403 may bereceived from cellular phone network providers, merchant systems, issuersystems, mobile application owners, user devices, and/or the like. Insome non-limiting embodiments or aspects, the user device may be thesame or similar to the customer device 106. Transaction data 401 may becommunicated to the transaction processing system 402 through acommunication network 412. The transaction data may be received frommerchant systems, issuer systems, user devices, electronic walletprovider systems, acquirer systems, and/or the like. The geographic data404 may include maps, addresses, dimensions, geographic coordinates,and/or the like of a geographic area, such as a city, state, country,and/or the like. The geographic data 404 may be communicated to thetransaction processing system 402 through a communication network 412.The geographic data 404 may be received from a third party, such asgeographic information systems, a web mapping service, and/or the like.

With continued reference to FIG. 4, the transaction processing system402 may generate a plurality of regions within a geographic area basedon the geographic data 404. Each region may be associated with a regionidentifier. The number of initial regions may be predefined. In somenon-limiting embodiments, the number of regions may be calculated usingan algorithm based on geographic and/or population data of thegeographic area.

With continued reference to FIG. 4, the transaction processing system402 may process the received transaction data 401. The transaction data401 may include transactions between a plurality of accounts and aplurality of merchants and may include an account identifier and atransaction location. Processing the transaction data 401 may includedetermining a region of each of the transactions based on thetransaction data 401. The transaction processing system 402 may alsoprocess the received mobile application data 403. The mobile applicationdata 403 may include interactions between a plurality of mobile deviceusers and at least one mobile application and may include a useridentifier and an interaction location. Processing the mobileapplication data 403 may include determining a region of each of theinteractions based on the mobile application data 403.

With continued reference to FIG. 4, the transaction processing system402 may generate a transaction signature for each account identifierbased on the regions of each transaction initiated with the accountidentifier. The transaction processing system 402 may also generate aninteraction signature for each user identifier based on the region ofeach interaction initiated with the user identifier.

With continued reference to FIG. 4, the transaction processing system402 may match at least one transaction signature to at least oneinteraction signature. The transaction processing system 402 may thenlink at least one account identifier to at least one user identifierbased on matching the at least one transaction signature to at least oneinteraction signature.

With continued reference to FIG. 4, in some non-limiting embodiments oraspects, if more than one account identifier is linked to one useridentifier, or if more than one user identifier is linked to one accountidentifier, the transaction processing system 402 may regenerate a newset of regions within the geographic area. The new set of regions may begenerated such that at least two interactions or at least twotransactions that were in the same original region are located in twoseparate new regions. The transaction processing system 402 may thengenerate new transaction signatures and new interaction signatures basedon the new regions of the transactions and interactions. The transactionprocessing system 402 may then match at least one new transactionsignature to at least one new interaction signature. The transactionprocessing system 402 may then link one account identifier to one useridentifier based on the matching of the transaction signatures and theinteraction signatures.

With continued reference to FIG. 4, in some non-limiting embodiments oraspects, the transaction processing system 402 may generate thetransaction signature based on a transaction time included with thetransaction data 401. In some non-limiting embodiments or aspects, thetransaction processing system 402 may generate the interaction signaturebased on a time of interaction included with the mobile application data403.

With continued reference to FIG. 4, in some non-limiting embodiments oraspects, the transaction processing system 402 may match a transactionsignature to an interaction signature based on a difference between thetransaction time and the time of interaction. The difference may satisfya predetermined threshold value. For example, the transaction time for atransaction associated with the transaction signature may be matched ifoccurring within one (1) hour of the time of interaction for aninteraction associated with the interaction signature. If more than oneaccount identifier is linked to one user identifier, or more than oneuser identifier is linked to one account identifier, the transactionprocessing system 402 may change the predetermined threshold value(e.g., shorten or lengthen the threshold value). After the predeterminedthreshold value is changed, the transaction processing system 402 mayrematch the transaction signatures to the interaction signatures basedon the updated predetermined threshold value. The transaction processingsystem 402 may link at least one account identifier to at least one useridentifier based on matching the interaction signature and thetransaction signature.

With continued reference to FIG. 4, in some non-limiting embodiments oraspects, the transaction processing system 402 may generate a pluralityof neighborhoods based on the geographic areas. Each neighborhood mayinclude a center region as well as all regions that share at least aportion of their border with the center region. The transactionprocessing system 402 may determine a neighborhood associated with eachtransaction and each interaction based on the locations of thetransactions and interactions. The transaction processing system 402 maygenerate a match score. The match score may indicate the likelihood of amatch between a user identifier and an account identifier or a matchbetween a transaction signature and an interaction signature. The matchscore may be based on the distance between the neighborhood of aninteraction associated with an interaction signature and theneighborhood of a transaction associated with a transaction signature.The match score may be based on the transactions and interactions of asingle transaction signature and single interaction signature, or thematch score may be based on all of the transaction signatures associatedwith an account identifier and all of the interaction signaturesassociated with a user identifier. The transaction processing system 402may match a transaction signature to an interaction signature based onthe match score, and/or the transaction processing system 402 may link auser identifier to an account identifier based on the match score. Amatch or link may be established if the match score satisfies a certainthreshold value.

Although the disclosed subject matter has been described in detail forthe purpose of illustration based on what is currently considered to bethe most practical and preferred embodiments or aspects, it is to beunderstood that such detail is solely for that purpose and that thedisclosed subject matter is not limited to the disclosed embodiments oraspects, but, on the contrary, is intended to cover modifications andequivalent arrangements that are within the spirit and scope of theappended claims. For example, it is to be understood that the presentlydisclosed subject matter contemplates that, to the extent possible, oneor more features of any embodiment or aspect can be combined with one ormore features of any other embodiment or aspect.

1. A computer-implemented method, comprising: generating, with at leastone processor, a plurality of regions within a geographic area, eachregion of the plurality of regions associated with a region identifier;receiving, with at least one processor, transaction data associated witha plurality of transactions conducted between a plurality of accountsand a plurality of merchants using a plurality of account identifiers,the transaction data comprising, for each transaction, an accountidentifier and a transaction location; receiving, with at least oneprocessor, mobile application data associated with a plurality ofinteractions between a plurality of mobile device users and at least onemobile application using a plurality of user identifiers, the mobileapplication data comprising, for each interaction, a user identifier andan interaction location; determining, with at least one processor, aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determining, with atleast one processor, a region of the plurality of regions for eachinteraction of the plurality of interactions based on the interactionlocation; generating, with at least one processor, a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures, each transaction signaturecomprising at least one region identifier in association with an accountidentifier used to transact in at least one region corresponding to theat least one region identifier; generating, with at least one processor,an interaction signature for each user identifier of the plurality ofuser identifiers based on the region for each interaction of theplurality of interactions associated with a corresponding useridentifier, resulting in a plurality of interaction signatures, eachinteraction signature comprising at least one region identifier inassociation with a user identifier for a user interacting in at leastone region corresponding to the at least one region identifier;matching, with at least one processor, at least one transactionsignature of the plurality of transaction signatures to at least oneinteraction signature of the plurality of interaction signatures; andlinking, with at least one processor in at least one database, at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers based onmatching the at least one transaction signature to the at least oneinteraction signature.
 2. The computer-implemented method of claim 1,further comprising: generating, with at least one processor, a pluralityof new regions within the geographic area if at least two accountidentifiers of the plurality of account identifiers are linked to oneuser identifier of the plurality of user identifiers, wherein at leasttwo new regions of the plurality of new regions overlap with a regionfor at least one transaction initiated with at least one linked accountidentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each transaction of the plurality oftransactions associated with the at least two linked account identifiersbased on the transaction location, wherein at least two transactions ofthe plurality of transactions associated with the at least two linkedaccount identifiers located in the same region are located in differentnew regions; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the linked user identifier based on theinteraction location; generating, with at least one processor, a newtransaction signature for each linked account identifier based on thenew region for each transaction of the plurality of transactionsassociated with the at least two linked account identifiers, resultingin a plurality of new transaction signatures; generating, with at leastone processor, a new interaction signature for the linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the linked user identifier, resulting ina new interaction signature; matching, with at least one processor, onenew transaction signature of the plurality of new transaction signaturesto the new interaction signature; and linking, with at least oneprocessor, one account identifier of the plurality of accountidentifiers to one user identifier of the plurality of user identifiersbased on matching the one new transaction signature to the newinteraction signature.
 3. The computer-implemented method of claim 1,further comprising: generating, with at least one processor, a pluralityof new regions within the geographic area if one account identifier ofthe plurality of account identifiers is linked to at least two useridentifiers of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one interaction initiated with at least one linked useridentifier; determining, with at least one processor, a new region ofthe plurality of new regions for each interaction of the plurality ofinteractions associated with the at least two linked user identifiersbased on the interaction location wherein at least two interactions ofthe plurality of transactions associated with the at least two linkeduser identifiers that are located in the same region are located indifferent new regions; determining, with at least one processor, a newregion of the plurality of new regions for each transaction of theplurality of transactions associated with the linked account identifierbased on the transaction location; generating, with at least oneprocessor, a new transaction signature for the linked account identifierbased on the new region for each transaction of the plurality oftransactions associated with the linked account identifier, resulting ina new transaction signature; generating, with at least one processor, anew interaction signature for each linked user identifier based on thenew region for each interaction of the plurality of interactionsassociated with the at least two linked user identifiers, resulting in aplurality of new interaction signatures; matching, with at least oneprocessor, the new transaction signature to at least one new interactionsignature of the plurality of new interaction signatures; and linking,with at least one processor, one account identifier of the plurality ofaccount identifiers to one user identifier of the plurality of useridentifiers based on matching the new transaction signature to the atleast one new interaction signature.
 4. The computer-implemented methodof claim 1, wherein the transaction data associated with the pluralityof transactions comprises a transaction time and/or the mobileapplication data associated with the plurality of interactions comprisesa time of interaction; and wherein generating the transaction signaturefor each account identifier of the plurality of account identifiers datais further based on the transaction time or generating the interactionsignature for each user identifier of the plurality of user identifiersis further based on the time of interaction.
 5. The computer-implementedmethod of claim 4, wherein matching at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.
 6. The computer-implemented methodof claim 5, wherein at least two account identifiers are linked to oneuser identifier and/or at least two user identifiers are linked to oneaccount identifier, the method further comprising: shortening, with atleast one processor, the predetermined threshold; matching, with atleast one processor, at least one transaction signature of the pluralityof transaction signatures to at least one interaction signature of theplurality of interaction signatures; and linking, with at least oneprocessor, at least one account identifier of the plurality of accountidentifiers to at least one user identifier of the plurality of useridentifiers based on matching the at least one transaction signature tothe at least one interaction signature.
 7. The computer-implementedmethod of claim 1, further comprising: generating, with at least oneprocessor, a plurality of neighborhoods, wherein each neighborhood ofthe plurality of neighborhoods encompasses a center region and allregions adjacent to the center region; determining, with at least oneprocessor, a neighborhood of the plurality of neighborhoods for eachtransaction of the plurality of transactions based on the transactionlocation; determining, with at least one processor, a neighborhood ofthe plurality of neighborhoods for each interaction of the plurality ofinteractions based on the interaction location; generating, with atleast one processor, a match score, wherein the match score iscalculated based on a distance between a neighborhood of a transactionof the plurality of transactions and a neighborhood of an interaction ofthe plurality of interactions; and matching, with at least oneprocessor, at least one transaction signature of the plurality oftransaction signatures to at least one interaction signature of theplurality of interaction signatures based on the match score.
 8. Asystem, comprising: at least one processor; and at least onenon-transitory computer readable medium including one or moreinstructions that, when executed by the at least one processor, causethe at least one processor to: generate a plurality of regions within ageographic area, each region of the plurality of regions associated witha region identifier; receive transaction data associated with aplurality of transactions conducted between a plurality of accounts anda plurality of merchants using a plurality of account identifiers, thetransaction data comprising, for each transaction, an account identifierand a transaction location; receive mobile application data associatedwith a plurality of interactions between a plurality of mobile deviceusers and at least one mobile application using a plurality of useridentifiers, the mobile application data comprising, for eachinteraction, a user identifier and an interaction location; determine aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determine a region ofthe plurality of regions for each interaction of the plurality ofinteractions based on the interaction location; generate a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures, each transaction signaturecomprising at least one region identifier in association with an accountidentifier used to transact in at least one region corresponding to theat least one region identifier; generate an interaction signature foreach user identifier of the plurality of user identifiers based on theregion for each interaction of the plurality of interactions associatedwith a corresponding user identifier, resulting in a plurality ofinteraction signatures, each interaction signature comprising at leastone region identifier in association with a user identifier for a userinteracting in at least one region corresponding to the at least oneregion identifier; match at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures; and link at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers in atleast one database based on matching the at least one transactionsignature to the at least one interaction signature.
 9. The system ofclaim 8, wherein the one or more instructions further cause the at leastone processor to: generate a plurality of new regions within thegeographic area if at least two account identifiers of the plurality ofaccount identifiers are linked to one user identifier of the pluralityof user identifiers, wherein at least two new regions of the pluralityof new regions overlap with a region for at least one transactioninitiated with at least one linked account identifier; determine a newregion of the plurality of new regions for each transaction of theplurality of transactions associated with the at least two linkedaccount identifiers based on the transaction location, wherein at leasttwo transactions of the plurality of transactions associated with the atleast two linked account identifiers located in the same region arelocated in different new regions; determine a new region of theplurality of new regions for each interaction of the plurality ofinteractions associated with the linked user identifier based on theinteraction location; generate a new transaction signature for eachlinked account identifier based on the new region for each transactionof the plurality of transactions associated with the at least two linkedaccount identifiers, resulting in a plurality of new transactionsignatures; generate a new interaction signature for the linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the linked user identifier, resulting ina new interaction signature; match one new transaction signature of theplurality of new transaction signatures to the new interactionsignature; and link one account identifier of the plurality of accountidentifiers to one user identifier of the plurality of user identifiersbased on matching the one new transaction signature to the newinteraction signature.
 10. The system of claim 8, wherein the one ormore instructions further cause the at least one processor to: generatea plurality of new regions within the geographic area if one accountidentifier of the plurality of account identifiers is linked to at leasttwo user identifiers of the plurality of user identifiers, wherein atleast two new regions of the plurality of new regions overlap with aregion for at least one interaction initiated with at least one linkeduser identifier; determine a new region of the plurality of new regionsfor each interaction of the plurality of interactions associated withthe at least two linked user identifiers based on the interactionlocation wherein at least two interactions of the plurality oftransactions associated with the at least two linked user identifiersthat are located in the same region are located in different newregions; determine a new region of the plurality of new regions for eachtransaction of the plurality of transactions associated with the linkedaccount identifier based on the transaction location; generate a newtransaction signature for the linked account identifier based on the newregion for each transaction of the plurality of transactions associatedwith the linked account identifier, resulting in a new transactionsignature; generate a new interaction signature for each linked useridentifier based on the new region for each interaction of the pluralityof interactions associated with the at least two linked useridentifiers, resulting in a plurality of new interaction signatures;match the new transaction signature to at least one new interactionsignature of the plurality of new interaction signatures; and link oneaccount identifier of the plurality of account identifiers to one useridentifier of the plurality of user identifiers based on matching thenew transaction signature to the at least one new interaction signature.11. The system of claim 8, wherein the transaction data associated withthe plurality of transactions comprises a transaction time and/or themobile application data associated with the plurality of interactionscomprises a time of interaction; and wherein generating the transactionsignature for each account identifier of the plurality of accountidentifiers data is further based on the transaction time or generatingthe interaction signature for each user identifier of the plurality ofuser identifiers is further based on the time of interaction.
 12. Thesystem of claim 11, wherein matching at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.
 13. The system of claim 12,wherein at least two account identifiers are linked to one useridentifier and/or at least two user identifiers are linked to oneaccount identifier, the one or more instructions further cause the atleast one processor to: shorten the predetermined threshold; match atleast one transaction signature of the plurality of transactionsignatures to at least one interaction signature of the plurality ofinteraction signatures; and link at least one account identifier of theplurality of account identifiers to at least one user identifier of theplurality of user identifiers based on matching the at least onetransaction signature to the at least one interaction signature.
 14. Thesystem of claim 8, wherein the one or more instructions further causethe at least one processor to: generate a plurality of neighborhoods,wherein each neighborhood of the plurality of neighborhoods encompassesa center region and all regions adjacent to the center region; determinea neighborhood of the plurality of neighborhoods for each transaction ofthe plurality of transactions based on the transaction location;determine a neighborhood of the plurality of neighborhoods for eachinteraction of the plurality of interactions based on the interactionlocation; generate a match score, wherein the match score is calculatedbased on a distance between a neighborhood of a transaction of theplurality of transactions and a neighborhood of an interaction of theplurality of interactions; and match at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures based on the matchscore.
 15. A computer program product comprising at least onenon-transitory computer-readable medium including one or moreinstructions that, when executed by at least one processor, cause the atleast one processor to: generate a plurality of regions within ageographic area, each region of the plurality of regions associated witha region identifier; receive transaction data associated with aplurality of transactions conducted between a plurality of accounts anda plurality of merchants using a plurality of account identifiers, thetransaction data comprising, for each transaction, an account identifierand a transaction location; receive mobile application data associatedwith a plurality of interactions between a plurality of mobile deviceusers and at least one mobile application using a plurality of useridentifiers, the mobile application data comprising, for eachinteraction, a user identifier and an interaction location; determine aregion of the plurality of regions for each transaction of the pluralityof transactions based on the transaction location; determine a region ofthe plurality of regions for each interaction of the plurality ofinteractions based on the interaction location; generate a transactionsignature for each account identifier of the plurality of accountidentifiers based on the region for each transaction of the plurality oftransactions initiated with the account identifier, resulting in aplurality of transaction signatures, each transaction signaturecomprising at least one region identifier in association with an accountidentifier used to transact in at least one region corresponding to theat least one region identifier; generate an interaction signature foreach user identifier of the plurality of user identifiers based on theregion for each interaction of the plurality of interactions associatedwith a corresponding user identifier, resulting in a plurality ofinteraction signatures, each interaction signature comprising at leastone region identifier in association with a user identifier for a userinteracting in at least one region corresponding to the at least oneregion identifier; match at least one transaction signature of theplurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures; and link at leastone account identifier of the plurality of account identifiers to atleast one user identifier of the plurality of user identifiers in atleast one database based on matching the at least one transactionsignature to the at least one interaction signature.
 16. The computerprogram product of claim 15, wherein the one or more instructionsfurther cause the at least one processor to: generate a plurality of newregions within the geographic area if at least two account identifiersof the plurality of account identifiers are linked to one useridentifier of the plurality of user identifiers, wherein at least twonew regions of the plurality of new regions overlap with a region for atleast one transaction initiated with at least one linked accountidentifier; determine a new region of the plurality of new regions foreach transaction of the plurality of transactions associated with the atleast two linked account identifiers based on the transaction location,wherein at least two transactions of the plurality of transactionsassociated with the at least two linked account identifiers located inthe same region are located in different new regions; determine a newregion of the plurality of new regions for each interaction of theplurality of interactions associated with the linked user identifierbased on the interaction location; generate a new transaction signaturefor each linked account identifier based on the new region for eachtransaction of the plurality of transactions associated with the atleast two linked account identifiers, resulting in a plurality of newtransaction signatures; generate a new interaction signature for thelinked user identifier based on the new region for each interaction ofthe plurality of interactions associated with the linked useridentifier, resulting in a new interaction signature; match one newtransaction signature of the plurality of new transaction signatures tothe new interaction signature; and link one account identifier of theplurality of account identifiers to one user identifier of the pluralityof user identifiers based on matching the one new transaction signatureto the new interaction signature.
 17. The computer program product ofclaim 15, wherein the one or more instructions further cause the atleast one processor to: generate a plurality of new regions within thegeographic area if one account identifier of the plurality of accountidentifiers is linked to at least two user identifiers of the pluralityof user identifiers, wherein at least two new regions of the pluralityof new regions overlap with a region for at least one interactioninitiated with at least one linked user identifier; determine a newregion of the plurality of new regions for each interaction of theplurality of interactions associated with the at least two linked useridentifiers based on the interaction location wherein at least twointeractions of the plurality of transactions associated with the atleast two linked user identifiers that are located in the same regionare located in different new regions; determine a new region of theplurality of new regions for each transaction of the plurality oftransactions associated with the linked account identifier based on thetransaction location; generate a new transaction signature for thelinked account identifier based on the new region for each transactionof the plurality of transactions associated with the linked accountidentifier, resulting in a new transaction signature; generate a newinteraction signature for each linked user identifier based on the newregion for each interaction of the plurality of interactions associatedwith the at least two linked user identifiers, resulting in a pluralityof new interaction signatures; match the new transaction signature to atleast one new interaction signature of the plurality of new interactionsignatures; and link one account identifier of the plurality of accountidentifiers to one user identifier of the plurality of user identifiersbased on matching the new transaction signature to the at least one newinteraction signature.
 18. The computer program product of claim 15,wherein the transaction data associated with the plurality oftransactions comprises a transaction time and/or the mobile applicationdata associated with the plurality of interactions comprises a time ofinteraction; and wherein generating the transaction signature for eachaccount identifier of the plurality of account identifiers data isfurther based on the transaction time or generating the interactionsignature for each user identifier of the plurality of user identifiersis further based on the time of interaction.
 19. The computer programproduct of claim 18, wherein matching at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures is based on adifference between the transaction time and the time of interactionsatisfying a predetermined threshold.
 20. The computer program productof claim 15, wherein the one or more instructions further cause the atleast one processor to: generate a plurality of neighborhoods, whereineach neighborhood of the plurality of neighborhoods encompasses a centerregion and all regions adjacent to the center region; determine aneighborhood of the plurality of neighborhoods for each transaction ofthe plurality of transactions based on the transaction location;determine a neighborhood of the plurality of neighborhoods for eachinteraction of the plurality of interactions based on the interactionlocation; generate a match score, wherein the match score is calculatedbased on a distance between a neighborhood of a transaction of theplurality of transactions and a neighborhood of an interaction of theplurality of interactions; and match at least one transaction signatureof the plurality of transaction signatures to at least one interactionsignature of the plurality of interaction signatures based on the matchscore.